Jannie,
I am so sorry to hear that this bill collector was so mean to you. My husband and I have gone through our fair share of bill collectors calling constantly and being rude we too went through bankruptcy. Try not to let this individual get you down. The reason these bill collectors press so hard is because they make comission of the debts they collect on so they will do almost anything to make you pay including being verbally abusive which is not legal. I am by no means excusing this behavior on their end at all. They have to abide by certain laws and these laws are especially strict when it comes to consumer debt. Try finding out more online about consumer debt laws because I know they are strict. If you gather this information regarding the debt laws you can shoot down those bill collectors with hard facts and they will be less likely to be nasty. If they continue to be rude and violate the laws I'd see about finding an attorney and suing the pants off them.
Jannie, Don't let them get you down. Try to be strong. We will all help you here as much as we can. You are a valuable person who is loved! Take care and keep us updated. If I can help in any way please let me know. Take care and keep us posted.

Jenn
{{{{{{{{Jannie}}}}}}}}}

Jenn