Bad attitude

I just experienced the worst customer service from a lady at the Homechoice collections department. I missed a payment due to medical bills I had to pay for . But this was only one months installment and not more then 3 months. The lady that phoned me was so rude, all I asked her is way she is phoning me when I am only one month overdue and all ready send an email to make an arrangement to pay this arrears amount including the new installment. I really think that people need to understand when they phone people, not to judge a person because the person you are speaking to might have more years of experience then what they have in the same field they are working in.