On this one, I have to agree with Stephen, I too often hear things as I am going to sleep, it's fairly common I hear (pardon the pun).  Sometimes it can just be a loud noise or even someone calling out my name, I've even thought I heard my Mom talk to her personal assistant about something which I forget now, woke up to realize she was asleep and he had already gone home.

 Our brain is a very strange thing, I can see why the early scholars though that our heart was where our reasoning came from for us. This isn't talked about too much by the Ghost Hunters, even though we can experience hallucinations at the time of going to sleep as well or felt like we are being held onto the bed, I haven't had the last two happen to me, but hearing things happens now and then, I do take a lot of meds, this could be an explanation, or as a result of growing older….since, I don't really recall having auditory experiences while going to sleep when I was going up, but only after the stress of chronic illness over the years maybe.

 Or even it was paranormal, we will never know, we can offer some ideas, like stress and your brain dealing with it in it's own way, we often dream about how we feel, by this, I mean, if I'm really sore and in pain, I may dream I'm playing football or back working at the auto dealership I did during the last few months of high school for several years later, getting used cars ready for resale, this also happens when I'm both cold and sore, I was on my feet most of the day, washing cars in sometimes below 0 F temps.  Then I will wake up and realize I'm very sore and maybe the air-conditioner is a bit too low or it's quite cold out and the heater can't keep the cold draught from my walls at bay. So our brains can do weird things as we are going to sleep or even as we are dreaming, try to tell us something, like pull the darn covers up!

 Or maybe you heard a real disembodied voice, who knows?  I like to go with the above explanation by Stephen, why go looking for unicorns when you hear hoofbeats?  A variation I heard of Occam's Razor, "All things being equal, the simplest explanation tends to be right answer."  However, your other story leaves more questions than answers, to me anyway.  But again, could there be an explanation, sure. Is it 100% positive? We will probably never know, unless you happen to meet that man again.