It's all about the leanring experience and the friendly Linux community helping one another. TigerOC helped me re-think the problem. So I got back on the Interned and used different search words for vgetty and voicemail.
I found this site: http://www.vocpsystem.com/
They have a pre-built voicemail system which I'll probably use because it looks pretty cool. But what they do have that I didn't find elsewhere are instructions on how to configure vgetty and mgetty from the command line, what the config files are and what those files do, plus much more information.
Looks like they have a great open source product. I can tell from reading their web site that they have good easy-to-follow and clearly written instructions for vgetty and mgetty.