Please help with this letter sent by Global Vantege Inc.

You should send them a Debt Verification letter. Go to this link. It has several sample letters you can use for various situations regarding debt and credit. Also, others have posted sample debt validation letters on other threads.

http://www.debtconsolidationcare.com/letters/

I received a letter back from UNIFUND stating the dates I opened the account and when it was charged off. What does that mean? Charged off?

They also provided a link for me to go to resolve.unifund.com where it shows the account debt they are trying to collect.

Has anyone heard of UNIFUND? And if so...are they willing to work with you regarding payments? My last interaction with a creditor left me feeling threatened as the collector was yelling at me on the phone.

Please Advise.

OMG. I just realized who Unifund is. They are the worst from what I have read. I believe they have lawsuits against them. I am going to try and find the site I used to have book marked and you can go and read the horror stories.

Oh no. What do I do now? How do I pay off my debt with this company? Freaked out now!

OK. I've done some deep digging here is an excellent site on devious CA's the site is actually ran by a man who trains CA's and he has actually helped debtors sue CA's. His site is full of dirt on these bad collectors. Scroll down carefully and look to your right, you should click on the investigative archives and if you keep scrolling down farther to the bottom you will find a list of dirt on alot of CA's and UNIFUND has quite a bit.

(http://www.mycollector.com/)

Thank you for taking the time to search for this.
Scared now. I have no choice but to deal with them on my payments then. Right?

I will read what you have sent me.

I don't think you should be afraid. Send them a debt validation letter via certified mail with return receipt. Read what this site has to say about them and what info. they have on their past dealings. It is interesting and alot of good info. on there.

Ok. Will do.
Sending the letter tmrw. We will see what happens. In the meantime...caculating my funds to see what I can pay monthly along with my school tuition.

Thanks again. I will keep you posted.