I would write a letter. Put everything in writing.

You have most of it in the original post. Cut and paste.

Send a copy to:

Original medical facility you owe
Collection agency that ragged on you
Better Business B.
State Attorney Generals Office

Call and find out who the bigger dog is at the Collection agency. Bigger than the dog that screamed at you. Get the name and contact of a bigger person. Send the letter to them.

State that you are more than willing to pay what you owe but you require a bill to do so. (That is reasonable)

Be sure and state in the letter that they threatened you with your SS# (Attorney Gens Office will be VERY interested in THAT threat.)

Reiterate that there is absolutely no way that you will provide your credit card number to an agency that threatens you with fraud with your SS#.

Once you have received the bill showing the charges, payments, and amount owed, you will be more than happy to either pay in full or discuss a payment plan.

Be professional, objective, and removed. Don't get emotional in your letter.

If you need to be emotional in the letter, do it in the first draft. Let that draft sit for a few days then go back and revise it removing the anger.

BTW, your post didn't sound angry it sounded amazed, confused, and stunned that these people behaved this way.

BTW, the next time you get on the phone with one of these folks and they decide to scream at you. Gracefully tell them that you will be more than happy to talk to you when they can do so with respect, dignity, and a calm voice. Then, hang up. You don't deserve to be screamed at.

The BBB and the State Attorney Generals Office will be very interested in the exchange.

Sigh... I don't envy your position at this point. Writing letters and doing all the hoops to get a friggin bill is just plain ridiculous. If you don't turn them in with a letter, they are going to continue to treat other people this way and it is unacceptable.

Good luck.