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  1. Hi Hegemony. A bit late to your comment. This is my first time being in this situation and didn't realize its a bit complicated. So the thing is I have no idea if the statue of limitations have passed. This is really scary and dumb but I dont even know how much interest has incurred since my last payment, though I can guess and hopefully that guess is right. The last statement I got was from Synchrony bank was late 2018. What do I do if I dont have any of this information? Thanks for your response.
  2. Hi there, 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.
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