unifund

Do you have a charge off that they might have purchased?? Have you actually pulled your report? If not, you might want to look up Pete Barry, a consumer attorney in Minneapolis. (He is a member of this forum and frequently appears on the Today show) I am originally from Bloomington and we used him years ago ...he got my ex a really good settlement!!!

Unifund is a pretty horrible bottom feeder. They are actually registered in OH but they have lawyers in every state so that they can go around suing debtors without having to take much pain.

Unifund/National Check Bureau purchased a Citibank account that I had in college that I stopped paying in 2002 (I think). They sent numerous collection notices that I ignored...which was my second mistake (the first was not paying Citibank).

Well, sure enough I received a summons in late 2004. Yep...they sued me for about $875. They were awarded a default judgment (about $1,200 with fees and interest) because I didn't respond to the summons and I didn't show up in court (third mistake).

Fourth mistake was not paying them after they were awarded the judgment. In 2009 they wiped out my checking account. Luckily I only had about $220 in there, of which they only got $120 because BofA charged me $100 for them having to process that legal order. I called the bank to see what happened and they told me to call David Bader (the owner/attorney). That forced me to finally address the issue and make payment arrangements with them. It took me about a year and a half to pay them off...but I finally did. That public record actually just fell off my credit report earlier this year.

So, I say all of that to say this...DO NOT IGNORE THEM because they will sue you. Had I known what I know now, I would have sent a dv letter and tried to set up arrangements if it was a valid debt. But don't make the same mistakes I did and let it get too far gone.

Good advise^