11 July I received a letter from LB&N stating my obligation with LVNV Funding LLC has been placed with their law firm. They encouraged me to call them to make arrangements which I did not. I have never filed bankruptcy. Per advice on this site and others i sent them a certified letter 2 days later asking them to validate the debt as I have never heard of LVNV Funding LLC. 4 August i received a letter back from them with no different information whatsoever from the first letter.
In big letters on it it reads settlement opportunity and lists again the creditors name (as above) and account balance as well as a file number, also a chance to settle my account in full for a disclosed amount. I have not been notified of a lawsuit. At this point I'm just wondering what to do next as I'm coming to realize that time is an issue in this sort of thing. Any help would be greatly appreciated as I'm trying to avoid both paying for something I honestly have no idea about and am trying to avoid the horror shows I've read in these forums. Again thank you very much for any advice on this matter.
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