Are you drowning in credit card and medical debt? Are rude and hostile debt collectors calling you day and night, leaving you on the verge of a nervous breakdown? You have a lot of company. From coast to coast, people are being snowed under by rising costs and static salaries.
Even worse, many of them lose their jobs and can no longer work at all. If you are stuck in this situation, you have options that do not include non-stop harassment.
Your Rights Under the FDCPA
A federal consumer law called the Fair Debt Collection Practices Act, or FDCPA, protects you from being lied to and harassed by debt collectors. It spells out and regulates how third-party collection agencies can contact you, what they can say, and even what they can say to third parties like your family and friends. Examples of illegal activities include:
- Failing to identify themselves as debt collectors seeking to collect a debt
- Using obscene, profane, and threatening language
- Pretending to be attorneys or police officers on the phone
- Refusing to provide you with information about the debt upon request
- Failing or refusing to report a debt as disputed to the credit bureaus
- Persisting in trying to collect a disputed debt
Company Profile: C. Tech Collections, Inc.
If you are being called by C. Tech Collections, Inc., the company’s particulars are below.
C. Tech Collections, Inc., which also does business as U S Collectech, is a healthcare debt collection agency located in Mount Sinai, New York. It was founded in 1989, has 20 to 49 employees, and is managed by its CEO, Joel R. Marchiano.
According to the Top Class Actions website, it is the subject of a recent class action alleging illegal collection practices. Lawsuit information viewable at the PACER (Public Access to Court Electronic Records) website indicates that people who believed they were being harassed by C. Tech Collections, Inc. went to court to protect their rights.
Alleged Violations against C. Tech Collections, Inc.
According to PACER, on or about March 17, 2014, C. Tech Collections, Inc. sent a collections letter to a New Jersey consumer demanding payment for a medical debt. He later alleged that the letter came in an envelope with a visible QR code which, when scanned, showed the Plaintiff’s account number with C. Tech Collections, Inc.
Feeling harassed by C. Tech Collections, Inc. because his personal information was not protected, he sued the agency for allegedly committing the following FDCPA violations:
- Using unfair and unconscionable means to collect a debt
- Making his personal information viewable by outside parties
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for C. Tech Collections, Inc. are:
The appearance of these numbers on your caller ID indicates that you are being called by C. Tech Collections, Inc. If they are careless with your private information, a consumer lawyer can guide you in filing a claim against C. Tech Collections, Inc.
When debt collectors treat your rights like they don’t exist, a lawsuit can give them a reality check.
Case taken from PACER (pacer.gov). File number is Case 3:14-cv-07130-FLW-TJB from the United States District Court for the District of New Jersey.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against C. Tech Collections, Inc., or any other third-party collection agency, you may not be entitled to any compensation.