Old Credit Card Debt
Hi everyone.
First time poster, on a throwaway account because I am slightly ashamed of the situation.
I was recently contacted by a process server company and informed that I would be being served for a civil matter, I panicked and asked for information which was a phone number and case number. Reached out to the number provided and was told they’re a law firm, and they gave me information like the account number and amount for a debt I had when I was much younger, about 5 years ago almost. I panicked and didn’t want to be sued and they offered a settlement from 6K and 3K which the original charged off amount was 3K, I was happy to pay to avoid a lawsuit and out of panic but as I was about to approve the transaction I started thinking how this could be a scam even with the fact they have the original account number. (I did give my card info because I’m dumb and panicked but luckily my bank declined the transaction).
I double checked my credit report and noticed on the file there was another creditors name for the charge off, hung up and reached out to them and asked for a debt validation letter which I received today from the company on my credit report.
My question here, could the first group be real or a scam? They had the amount and the original card number but everything else felt odd. Like how would they have my info now years later and my original card number and I believe the last four of my social they confirmed on their end, not my end.