I think it might be because I associate it when my boyfriend dumped me a few years back and said these words, "We need to talk." That phrase alone makes me think the worst and just sadness and fear. Right now, I am pretty sure he's gonna dump me again and so I am terrified anytime anyone calls. The like one time he's called me this week, I fear it's going to be that news again. I've had this fear for a long time now.