For a few years now I have been in credit card debt with Gap. I had gone through a period paying some of it off to the creditor, Synchrony Bank, then for other reasons became broke and started to neglect my finances. After several months of radio silence with the store and the creditor, I received this email by a third party, TrueAccord, claiming the creditor, LVNV Funding LLC, now has my account and may take legal action. These agencies look legitimate through my own background check but I'm still suspicious they didn't contact me by mail and I also want to be sure they have the correct information on my case.
Fortunately, I am now in a position where I can make payments again and would like for this to be a one-time settlement to whom ever holds my account.
Can anyone vouch for Trueaccord and LVNV Funding LLC and for those that have been in a similar situation how should I proceed?
Any advice will be helpful.