Horrible phone call.. threatened with lawsuit

I'm currently living with my parents and am 23 years of age. I lost my job and am unable to work do to a medical problem. Because of this, I was unable to pay some credit card debt. A collection agency left an answering machine message stating that I was being sued and that I should contact them within the next couple hours or else. (the first contact by this collection agency, I had no clue it was even in collections and was in contact with the CC company constantly explaining when I could pay) The collection agency is called "Total Credit Recovery USA Group" My father, who was distraught by this message, contacted them and asked why I was being sued when they haven't even attempted to collect the debt from me. The collection agency representative insisted she was a lawyer and also insisted that either I would pay the full amount or face a lawsuit. (I searched the Maryland BAR and the name she gave me doesn't show up as a lawyer) My father told her it would be impossible to make the full payment but he could pay a certain amount each month. She told him I would then be sued and ended the conversation. My father then contacted my mother who also decided to contact this "lawyer". My mother had a conversation with this lady as well stating we couldn't pay the bill in full. The collections agent kept insisting she pay it, take out a loan to pay it, ask relatives for the money, or even ask my dads employer for it. (My father is a minister and somehow she knew this. She insisted we borrow it from the church which is simply absurd!) My mother finally said the only option would be to setup a payment plan. The lady eventually hung up on her. My parents eventually contacted me and told me what was going on. I promptly contacted the collections agent and was greeted with a VERY rude person on the other end. The same collections agent told me there's nothing I can do and that I would be served shortly. Oddly, the same agent who proclaimed she was a lawyer earlier stated she wasn't one to me. I told them I could pay some of it and the agent asked how much. I explained what I could do ($200 a month) and the agent yelled "KEEP IT" and hung up. The following day my father called up again and the same agent finally agreed to accept the payment plan I previously attempted to make with this agent. This same agent seems to have something personal towards myself even though I was nothing but kind to about the whole thing. Any attempt at contacting her ends up with her threatening me and hanging up. It makes no sense at all! Because of this, my father, the only one who can actually get her to agree to the payment plan, has to handle it. He agreed to pay $200 via electronic payment and she agreed to fax him the information about the payment plan we agreed to. The fax never came but she took the money. (I wish I could have handled this as I would have insisted the fax come first)

I'm insanely nervous about this considering we have none of this in writing and feel I could very well end up being sued even after I pay part of it. I do agree this is my debt and have no problem paying it yet feel rather upset by the constant threats to not only myself, but my entire family.

Considering the numerous violations such as stating she was a lawyer when she's obviously not, should I think about suing? Also, has anyone had the "pleasure" of dealing with Total Credit Recovery USA Group? Apparently they are big in Canada and have also been sued numerous times for violations of Canada's fdcpa's equivalent.