Hello,
I have an acct on my credit report, the original creditor was chase, opened in 2001, when I was 19 and too dumb to understand the consequences of not paying. The original credit limit was $1000, and unfortunately I let it get behind, and stopped paying in 2004 with a debt with a debt of $1800. the debt was charged off by Chase in May of 2006 with a debt of $2700. I stopped receiving letters from Chase, and believed the matter to be closed, as Chase had legally written off the debt. About a month ago I received a letter from unifund attempting to collect a debt.