I feel that I need to break up with my girlfriend over the phone.
Why are you intent on breaking up with her over the phone?
I don't have time to meet her in person.
I understand that you want to end your relationship with your girlfriend, but rethink breaking up with her over the phone. Find the time to meet with her in person instead.
I don't want to meet her in person, she just wants to be a pain in the ass and I couldn't care less.
Do what is decent and show your ex the proper manner to be treated. Breaking up with them in person will give them the closure you both need and there won't be any misunderstandings left over.