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How to Settle Debt With C Tech Collections

George Simons | January 30, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If C. Tech Collections is suing you for debt, use Solo to respond within the deadline and buy time for a debt settlement negotiation.

C. Tech Collections (CTC) is a debt collection agency focusing on healthcare receivables. The company may contact you for a late medical bill. As with all debt collectors, engaging CTC is the only way to resolve the debt.

Understandably, debt collection makes you feel a little stressed out. After all, you did not set out to default on the debt. That said, you should not let the stress paralyze you. You need to remain proactive to resolve the debt quickly and prevent your credit from taking further hits.

Understanding how CTC works can help you communicate better with its representatives. We will also discuss how you can handle the debt collection lawsuit and settle a debt for less with C. Tech Collections.

Settle debt with C Tech Collections

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is CTC?

Let's take a moment to understand how CTC debt collectors operate. CTC is a legitimate debt collector headquartered in Mt. Sinai, New York. C Tech Collections has been collecting defaulted medical debts for over 30 years. As such, they understand the laws and regulations governing how debt collection agencies interact with clients.

Below is the C Tech Collections phone number, address, and other contact information:

You can also email the company using the appropriate address on the website.

Who does CTC collect for?

When the company began its operations in 1989, it focussed on debt resulting from the following services:

  • Anesthesia
  • Cardiology
  • Fertility
  • OB/GYN
  • Pain management
  • Pediatrics
  • Surgical
  • Dental

Since then, it has broadened its focus to other healthcare fields. In addition to collecting consumer debt for healthcare providers, CTC also provides collection services to businesses that need additional staff to pursue the money other businesses owe them.

Read CTC reviews online to learn what fellow consumers think

Online reviews are a valuable resource when researching how to resolve debt collection. CTC has its fair share of customer reviews that you can read on the following platforms.

Online reviews are mixed, but you will be surprised that some consumers have very positive experiences settling their debt accounts with CTC. Here’s a real C Tech Collections reviews from Albert:

“I normally do not write reviews, but as I saw so many negative reviews, I wanted to share my experience. I called C.Tech to find out more information on the letter stating that we owed money to our creditors. The phone was answered promptly by a woman with the name of Jerry. She was very kind and patient, explained to me what the debt was for, and broke it down into individual charges, etc. I don't know if I just got lucky, but my experience was very pleasant and helpful.”

As you can see, contacting and engaging with C. Tech Collections is the best way to resolve a debt in collections. Most collectors will work with you to find a solution that fits your current financial needs.

Resolve a CTC debt collection lawsuit

If you do not resolve a medical debt, CTC may “engage its network of attorneys” and proceed to litigation. Debt collection lawsuits are scary for the average consumer, but you can maneuver the legal system even if you cannot afford an attorney’s services.

Remain calm

First and foremost, try to keep your cool. Panicking will only make matters worse and distract you from the game plan. The calmer you are, the better you can implement your plan.

No matter how intimidating debt collection seems, there are solutions. You must respond to the lawsuit and can only do so after overcoming the first shock. Do not send collectors a check or give them your bank account information until you have asked them to validate the debt. If you do, you are essentially admitting that you're guilty and handing them the victory on a silver platter.

Instead, you should contact a legal expert who can provide the direction you need to overcome CTC's tactics.

File a response the easy way with SoloSuit.

Find a lawyer

Although this step isn't an absolute must (small claims and magistrate courts let you represent yourself), you are more likely to have a smoother experience with a trusted debt collection attorney at your side.

If you choose to represent yourself in court, you must be well-prepared. The process begins by securing documentation regarding your debt.

Send a request for the production of documents

It is standard practice to request proof from the debt collector that you are indeed responsible for owing a debt. Being thorough with the verification process can reveal errors, misplaced accounts, or even fraud. You may also discover that a debt is past its statute of limitations.

You should request this documentation via certified mail. If CTC cannot present such documentation, they will stop collection efforts.

If CTC provides the requested information, proceed to the next step.

Respond to the lawsuit before the deadline

You should file your response to the lawsuit before the deadline to file an Answer. You have between two weeks and a month, depending on your jurisdiction. To respond, read the Complaint document carefully to determine whether you agree with CTC’s claims. Use one of the following responses for every claim:

  • Admit: Select this option if CTC’s claim is true.
  • Deny: Choose this option if you do not accept C Tech’s allegation.
  • Deny for lack of knowledge: Use this option if you do not understand a complaint.

Ensure you respond to each complaint and sign the document before filing it with the court and CTC’s attorney.

You can use SoloSuit to respond to a debt collection lawsuit within minutes.

Attend court

You must show up on time for your court date. If you miss a hearing, the judge will have no choice but to award the case to CTC, and you will owe them the amount of your debt.

Conversely, it is also possible that you might show up for your court date, but CTC does not. If this happens, you will automatically win. While this is possible, it's best to assume that CTC will show. As such, you must know what you will do once court commences.

Come to court prepared

During your court date, you should always be ready and remain professional. When it is your turn to speak, you can respectfully question the legitimacy of the debt.

Ask for tangible proof that you are responsible for paying the amount. Unless CTC can show you a copy of the contract with your legal signature, you have the right to contest anything presented to you or the court.

At this juncture, it's up to CTC to provide documentation that the debt was legally sold to them and that they have a right to collect on it. Due to the debt buying and selling process, the company may lose proof of ownership of the debt.

Settle the debt with C. Tech Collections instead

If CTC accepts your lump sum settlement offer, you can settle the debt outside court. Negotiate with CTC using SoloSettle. Follow these steps:

  1. Determine how much you can afford to pay. Review your finances and decide whether you can use your savings and part of your income to raise a settlement amount. You should raise at least 50% of the debt for CTC to consider your offer. Be open to negotiations.
  2. Contact CTC to discuss debt settlement. Your first offer should be lower than the amount you raised in Step 1 and it is always a good idea to follow any phone conversations with a written summary of what was discussed.
  3. Get it all in writing. Make sure you receive a signed settlement agreement that memorializes the settlement terms, like how much you’ll pay, the payment due date, etc.
  4. Pay the settlement amount. Fulfill your end of the agreement to maintain your trust with C Tech Collections and its clients. If you do now pay as agreed, it could lead to legal action or more aggressive debt collection attempts.

To learn more about these three steps, check out the following video.

Settle with SoloSettle

Make an Offer

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