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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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.
CTC 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.
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
It is illegal for a debt collector to threaten 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!
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Absolutely. Here are some Sample Cases filed in Federal Court
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.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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