Himel you did not seem to read my message carefully. My first advise was to upgrade your Zip service to voice. Another important advice was to do a search on google. If you followed the google link I provided, you'd see that the first result leads to a site that lists many voice enabled chat sites.
Anyway, check out this one that I picked up from that list:
http://www.gcn.cx/
Sounds like it has what you need.
Video and voice chat with friends and family
Communicate on AIM, MSN, Yahoo and ICQ
Send and Receive E-mail between members
Play games and draw together with friends
Share documents, music, and photos
Browse the Web, and listen to MP3s
Meet new people in the GCN Chat Rooms
Create and administer your own Chat Rooms
Apply new interfaces through GCN skins
Communicate privately and securely
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