I have a few ideas based on your concept. My first idea is adding a vignette effect to your photo (darkened edges) with a nice script-handwritten font for the title, with a glowing effect in a white or similar bright color (perhaps pink to convey the feelings of love, etc.)
The second idea is also using the picture you posted, edited a bit, with the title on your t-shirt, as to appear that the shirt you are wearing says "You Called".
My third idea is a bit different from your original idea, but I feel like it could be cool. I could do a phone screen with missed calls from a contact named "You", playing on the idea of "You Called".
I plan on including your Artist name, song title and any other information you'd like on your cover.
This could be awesome!