If you are trying to sleep when it happens, then it could be a hypnagogic hallucination, which occurs between borderline sleep and awake. When you are partially asleep you enter the dream world and can see and hear things from your dream consciousness, even while part of you is awake or borderline awake.
But if you hear voices while you're fully awake, that's another matter.
In that case it sounds like anxiety. Happens to me too sometimes especially if I am sleepy or when I wake up at night. So IMO it is anxiety not psychosis nor OCD.
Yeh its like my oqn inner voice doing the voices, although it sounds like my friends if that makes sense...with the same accents etc....its not like its coming from outside or anything. Its kind of like I think hmmm what to do later...then an answer will be manufactured in my friends voice? If that makes sense??!?!
Do you hear your friend's voices literally or is it just in your head like when a song is stuck in your head? If so, it happens to me too and many other people. Anxiety. If you hear voices literally then it is something that needs to be investigated but doesn't necessarily mean schizophrenia.
Fear of the guy outside your house all night would make many people worry.