Creditors Financial Group - Are they difficult to deal with?

Hi all. Today, I decided to take initiative as to contacting Creditors Financial Group LLC to make arrangements of an outstanding debt that I have, approx. $2600. I am currently in college, planning to graduate, and it is truly unfeasable for me to pay the amount in full, as they have demanded. I offered an amount that is reasonable to my current budget and the representative immediately commented "I would think you being in college would give you a little more common sense and intelligence about the matter." and then hung up on me!!! I know this is probably one of their tactics, but how would I go about setting up a payment arrangement with them pending the fact that they obviously feel its not worth their time or amount they demanded. Also, they've contacted my parents and grandmother, all of which whose names were no where on my application, threating court action. So in a nutshell, I'm somewhat at a lost as to what I should do.

LS

**just read on another thread that it is illegal for them to call one's cell phone. that has been the only means they have contacted me other than through mail. what does this mean?