Without having all the facts it is hard to answer but my gut reaction is that you contact a local attorney who specializes in this area of law. If the insurance company or their collector is acting in a manner that is unprofessional or in violation of certain regulations the attorney will be able to put an end to it and possibly settle or have your case dismissed.From the sounds of it they are not acting in a professional manner. you are entitled to documentation on the debt and without it is often very hard to proceed. You need to ensure they know you will not sit back and allow them to bully you into paying a debt unless they can substantiate the debt with documentation. Although line item isn't always possible they need to be able to explain certain charges such as the hupy abraham charge