C. Tech Collections Inc or CTC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is C Tech Collections?
C. Tech Collections, Inc. or CTC is a third-party collection agency based in New York. CTC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and threatening to take actions that cannot legally be taken. If you have been contacted by CTC, make sure you understand your rights before responding.
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Is C Tech Collections a scam?
They’re legit. According to the Better Business Bureau (BBB), C. Tech Collections, Inc. is a legitimate collection agency, founded and incorporated in 1989. The BBB established a profile page for CTC in 1990. CTC is listed as a collection agency that uses the alternate business names, Collect Tech and U.S. Collectech. Buzzfile estimates CTC’s annual revenue at $3.8 million and the size of its headquarters staff at 45 employees.
According to its website, CTC “has transformed itself into one of the most effective collection agencies in business today.” CTC focuses on “delinquent receivables, while providing professional, courteous collection services.”
CTC’s full range of collection series includes “experienced, professional and well-versed collection counselors trained to maintain the good will of clients; continual communication with debtors to maximize collection activity; placement confirmations, status reports, and remittance statements; skip tracing, DMV, and internet searches; and reporting to the credit bureaus at no additional cost.” CTC also offers litigation when requested by the client.
Who does C Tech Collections collect for?
C-Tech Collections collects delinquent healthcare bills with “personnel divided into teams, each assigned to specific medical areas, such as: Anesthesia, Cardiology, Fertility, OB/GYN, Pain Management, Pediatrics, Surgical, Dental, Radiology, and more.” CTC also collects consumer and commercial debt, although their website does not specify the specific industries or businesses it serves.
CTC states that its collectors act in “full compliance with FDCPA, HIPAA, and all federal, state, and local collection statutes.” They are affiliated with the International Association of Credit and Collection Professionals (ACA International); the Medical Group Management Association (MGMA); and several other professional associations. However, their website does not include an easily accessible consumer resources page with links and references to laws and enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against C Tech Collections – CTC ?
The BBB has closed 6 complaints against C. Tech Collections in the preceding 3 years, with 4 complaints closed in the past 12 months. All of those complaints alleged problems with billing and collections. Since September 2015, the Consumer Financial Protection Bureau (CFPB) has closed 6 complaints against CTC. Justia lists at least 3 cases of civil litigation involving CTC.
C. Tech Collections, Inc. 5505 Nesconset Highway, Suite 200 Mount Sinai, New York 11766 Telephone: (888) 331-0541 Website: http://www.ctech-collects.com/
Can C Tech Collections Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CTC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In July 2015, in United States District Court, Eastern District of New York, a judge issued an Order in a case alleging C. Tech Collections had violated certain provisions of the FDCPA. In this case, the plaintiff received collection letters from CTC that stated, in part, that a “‘$3.00 convenience fee will be added for credit card payments.’” The plaintiff alleged in her original complaint that “the letter is an unlawful attempt to collect an unauthorized fee for payments made using a credit card, in violation of the FDCPA and state laws concerning unfair business practices. The court upheld the plaintiff’s charge that CTC had violated the FDCPA, and when the plaintiff asked the court to certify her complaint as a class action lawsuit on behalf of other consumers who received similar letters from CTC, the court agreed. The classes included in the lawsuit were defined as “all consumers to whom CTC mailed a written communication in connection with an attempt to collect a debt, which included a statement that a ‘$3.00 convenience fee will be added for credit card payments,’… during a period beginning May 19, 2013, and ending June 9, 2014.” The class included both consumers who received the letter but did not pay the fee, and those who received the letter and paid the fee.
Subsequently, after attorneys for C. Tech Collections and attorneys for the plaintiffs representing the injured classes had negotiated settlement terms, a judge issued a Preliminary Approval Order. In its decision, the court found that the plaintiffs had met “all of the requirements for class certification” and the court granted “preliminary approval of the settlement memorialized in the Settlement Agreement and Release.” According to the terms of the settlement, CTC was required to “establish a fund totaling $90,726.00. From the total settlement fund, the named plaintiffs will each receive a payment of $1,000.00 for their individual claims under the FDCPA, plus an additional payment of up to $3,500.00 subject to court approval for their service to the class members.” The plaintiff who filed the original complaint “received an additional $153.00 for her claims brought under New York General Business Law.” The remainder of the funds was distributed to members of the two classes in the lawsuit, with differing amounts paid based on whether the class members had paid the illegal $3.00 fee. Any remaining funds were to be “distributed to the National Consumer Law Center.”
C Tech Collections CTC Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue C-Tech for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.”
“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls were super considerate when I talked with them. I love the hard work”
“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.