Scam Or Legit? Read This

If you got a letter or email from, you might be wondering if it’s a real deal or a scam. Here’s the lowdown: is linked to Credit Collection Services (CCS), a debt collection crew in Norwood, Massachusetts. CCS says they’re here to give you a discount on debts they bought from other companies. But is the real deal or a scam?

What Is The is a website where if you owe money, you can handle things yourself. You can see your account details, pay what you owe, ask for proof of your debt, and even try to work out a deal with CCS, the debt collector. The website says CCS might cut you a deal, dropping your debt by 20% to 80%. How much you get off depends on how old your debt is and what kind it is. If you pay the reduced amount, they say your debt is settled, and they’ll stop bothering you for more money.

How Works

To access, you need to have a letter or an email from CCS with your account number and PIN. You can then log in to the website and view your account balance, payment history, settlement options, and contact information. You can also make payments online using your credit card, debit card, checking account, or savings account. Alternatively, you can call CCS at 781-620-8000 to speak with a representative and arrange a payment plan.

Is Legit or a Scam? Breaking It Down is not a scam, but also not legit. The website has been around since 1969 and holds an A+ rating with the Better Business Bureau (BBB). However, there’s a bunch of people grumbling about dealing with aggressive collectors, surprise lawsuits, and getting fed info that’s more fiction than fact.

What You Need To Know Before You Use

Dig Into Your Debt

Before you pay, Check if the debt is really yours and still falls within your state’s legal timeframe. Within 30 days of CCS’s first message, demand proof in writing.

Credit Score Reality Check

Now, about that credit score magic, paying off the discount might not be the game-changer you hope for. It could actually drag your score down if it stirs up your account’s last activity date. If you’re dreaming of a clean credit slate, chat with CCS about a pay-for-delete deal.

Be Cautious When Negotiating

If you decide to negotiate a discount on your debt using, be aware of potential consequences:

  • If the settlement is reported as “settled for less than full balance” or “paid in full for less than full balance,” it could negatively impact your credit score.
  • Settlements above $600 might result in tax obligations. The creditor could send you a Form 1099-C, reporting the canceled debt as income.
  • A partial payment may not prevent other creditors from taking legal action if you have multiple debts.

Beware of debt collection scams by recognizing red flags:

Withholds information

Legitimate collectors provide details about the debt; if not, they must send a notice within five days.

Pressure for unusual payments

Scammers prefer untraceable methods like money transfers; be cautious if asked to pay this way.

False threats or posing as officials:

Watch out for jail threats or fake government affiliations; legitimate debt issues may lead to fines but not immediate arrest.

Do not fall for the Impulse Inc Scam

Threatens to disclose debts

Scammers may intimidate by threatening to reveal debts to family, friends, or employers; genuine collectors can’t disclose this information without your permission.

Unrecognized debt

Question the debt’s validity and ask for essential details like creditor name and amount owed; dispute the debt if needed.

Protect yourself with these tips

Avoid sharing sensitive information

Never provide bank details or Social Security numbers unless certain of legitimacy.

Inconvenient calls

Scammers may call at odd hours; genuine debt collectors adhere to specific calling times.

Ask for a callback number

Verify the caller’s legitimacy by requesting a callback number and confirming their identity.

Check debt details before payment

Ensure you receive information about the debt before making any payments.

Contact the original creditor

Confirm the debt collector’s legitimacy by contacting the original creditor directly.

Review credit report

Check your credit report for the disputed account, as not all debts may be reported.

Conclusion isn’t out to scam you, but it might not be the smartest move for fixing your debt situation. Before you cough up any cash to these debt people, make sure to check things out and know your rights as someone dealing with debt. If you’re feeling stuck with or any other debt collector, it’s a good call to have a chat with a reliable credit expert or a legal pro who knows the ins and outs of consumer rights.

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