I use to do phone chat as well, with a company in the states. They would send the calls to your house phone so you could work straight from home.
After a while, it seemed many, many men wanted to get on and talk about touching kids, or me pretending that I had been molested by my father or brother when I was a kid.
It took only about two months or so of this and I just couldn't do it anymore, it creeped me out waaay too much, so I quit.
If this ever happens to you again, just remember this. YOU are in control, not the client. No matter if he paid you or not, you have the option of at any time telling him that you are not comfortable with something and you are ending it. You can always refund them back their credits if that makes you feel better about it.