I have dealt with creditors before and have felt bullied in a way. I had a GE debt that got passed to creditors. In a way I was happy that it did so that I wasnt paying the interest anymore as I couldnt get ahead paying 27% interest on the card. The first person I spoke to was so rude and upset me so much - wanted me to ask friends or my boss for money to pay the debt in full right away (WTF!!!) and I was quite upset at that. Rang back the next day and spoke to someone else and worked out a payment plan that I could afford (just).

Just giving you an example as there are some really nasty ones out there and some that are more underestanding in a very stressful situation

In the past it has helped if I have written down in front of me what I need to tell them so that I dont get flustered by them and can get my points across.

Maybe when you feel like you can talk to them again, give them a call. Even if its tomorrow.

Some good advice from Muppity as well.