talking on the phone?

Maybe I am just really weird or something, but I dread talking on the phone!!!! Just thinking about it makes me all panicy!!!
I always try to talk my husband into (aka begging) making my phone calls (dr appts, etc) and if he refuses, I have been known
to put it off until the last possible minute... or just not do it at all and sometimes end majorly suffering because of it.
(For example, my mental mental appt, I put that off for like 3 weeks... until he handed me the phone one day and sat
in front of me and MADE me call)

I can't pinpoint what it is that I dread so much about talking on the phone. I mean, the logical side of me know
that the voice on the other end is a person just like me, but there is something in my head that is freaked out
by talking on the phone, and I don't know what it is. I feel like an idiot. Arrrgh!!!!