Aw hun

Try not to let them get to you. Debt collectors do their job by getting nasty as it is usually how people respond best for them (ie pay up)

Take a written note of every contact that you have with them. Don't make rude comments in your note, but if someone is agressive then note that they were and ifyou can remember what they said write that down too. The best policy is to always be honest with them and never agree to do something that you know you won't be able to.

Just remember that debt colectors only get paid if they get the money so they try any method that they think they will work. Interestingly they usually try intimidation first on women whereas they usually try negotiation first with men.

So if you are getting really stressed about it tell them that you can't speak to them right now because you have a distressed baby but if you can have their number you would be happy to have yourself or your DF ring them back. That way you (or DF) are prepared for the conversation and they aren't quite so much - probably have to get yoru file out etc - so it gives you the upper hand.

Good luck. I commend anyone who trys to work through their debt rather than taking the seemingly "easier" options.