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Collection Agency or not?

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I received a telephone call from a company called Integrated Credit Solutions. The person who called, said my all my credit card debts, will be reduced to a 1.5% interest rate, if I call them. The person also said, this is for people who have a high debt to low income ratio. Has anyone here heard of or used this company? Are they a collection agency attempting to trap me into some agreement, which would re start the SOL? I have not paid any money to any creditor since 1996. These are all debts incurred, while a resident of Arizona.
I would greatly appreciate any information on this company.
Thank you!


Senior Member
If the SOL in Arixona is less than 5 years, looks like you beat the SOL clock. I think I'd avoid anymore contact with these people.


Thank you for your response! I did some research, and found that the SOL in Arizona for an "open ended account" is three years. However, for a "written contract" it is six years. I have read many debates on whether a credit card is considered an "open ended account", or a "written contract". I have also spoken with six different attorneys to get their opinions. Three attorneys, say a credit card account is clearly "open ended" and would fall under the three year SOL in Arizona. However, the other three attorneys, say a credit card account, could be a "written contract". It seems to depend on how the statute is interpreted.
Anyway, I will take your advice, and not deal with that collection agency. Again, thank you for your answer!

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