Household Credit Services threatening, intimidating, Salinas California

A debt collector told me to pay my credit card bill one time instead of my utility bill and I informed him of my finanacial situation. My hours were cut back on my job and I could no longer make my regular payments on time. I also had another debt collector call my house and told me that "Maybe we should contact your employer to make these late payments" and I specifically told these creditors to not call my employer. What should I do? I am trying my best to make these payments on time and I will be glad when this account is paid off. Plus, the company keeps adding late fees and overlimit fees, which makes it impossible to pay this debt off.

Anonymous
Memphis, Tennessee
U.S.A.