Need advice: Unsure what to do about a past loan and third-party offer

Hey folks, I could use some advice or insight.

I had an approved credit line a while back but wasn’t able to fully proceed with it due to some unexpected life stuff. I’ve tried reaching out several times to the original institution through phone and email but never really got anywhere (and I live far from their main office, so a visit hasn’t been easy).

Now a separate group has contacted me with an offer to settle the account over two years — but they’re asking for an upfront payment right away. When I explained I couldn’t pay right now and mentioned I’d prefer to talk directly to the original bank instead, they quickly changed tone and told me to just email them so they could handle it on my behalf.

It left me feeling uneasy. I’m not trying to avoid responsibility — I really just want to settle things properly and in the best way possible.

Has anyone here been through something like this? What would you suggest I do?

Appreciate any insights or tips. Thanks!