1. A method for operating a personalized communication processing system (PCPS) to provide a personalized communication processing service, comprising: intercepting an incoming communication from a calling party; identifying calling party information if available, the calling party information comprising at least one of a calling party number and a calling party name; determining at least one contact category to which the calling party is logically associated based upon a recognized relationship between the called party and the calling party as defined in the contact category; determining a user state of the called party, the user state identifying conditions under which a communication processing treatment is to be provided for the contact category according to at least one personalized communication processing rule; applying the rule associated with the determined user state and the determined contact category; and processing the incoming communication according to the applied personalized processing rule.