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Help in Dealing with Unifund  
Old 07-05-2009, 05:31 PM   #1
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Join Date: Oct 2007
Posts: 3
I received a letter from an attorney representing Unifund and they are trying to collect an old citibank credit card debt. The letter says that I have 30 days to dispute the validity of this debt or any portion of it.

I am really scared and concerned and don't know what to do. How should I respond to the attorney? Unfortunately, I can't really afford to hire an attorney either. Can someone advise me in what I should do. I currently live in NY.


I pulled this from my credit report.

Balance:
$8,742
Date Updated:
04/2008
Past Due:
>$6,077<
Pay Status:
>Charged Off as Bad Debt<
Account Type:
Revolving Account
Responsibility:
Individual Account
Date Opened:
04/2003
Date Closed:
04/2005
Loan Type: Credit Card
Remark:
Account closed by credit grantor
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