How to Beat CTC Debt Collector in Court

George Simons

February 12, 2021

Don't be clueless when a debt lawsuit comes your way.

Summary: If you're being sued by C. Tech Collections, use SoloSuit to respond fast and win your lawsuit.

C. Tech Collections (CTC) is a debt collection agency that is known for its less-than-friendly approach to resolving outstanding debts. If you are currently facing a court date against this company, it's important to know your rights and how you can beat CTC in court.

It's understandable if you're feeling just a little stressed out by everything that's going on. After all, it's safe to assume that few people look forward to locking horns in court.

That said, try to put your dread behind you for a moment, as you're going to want to hear what we have to say about CTC. In this handy how-to, you'll learn the best methods to use to defend yourself and beat this debt collector in court.

Use SoloSuit to make the right defense.

Learn More About CTC

It's always good to know what you're up against. Let's take a moment to talk about CTC debt collectors. C. Tech Collections has been collecting on debts for over 30 years. As such, they understand the laws and regulations that govern how debt collection agencies can interact with clients.

But that doesn't necessarily mean that they're going to abide by them. As you can likely attest, CTC has gotten sloppy, or they've not had enough pushback to keep them from going outside the lines of the law.

The complaints against CTC contend that they have violated the Fair Debt Collection Practices Act (FDCPA), which is what is in place to protect you from being on the receiving end of nasty or threatening behavior from debt collectors.

Regardless of their actions, there are some key steps you need to follow to ensure that you get the best outcome in court. Even if it doesn't feel like it, you have a lot of things working in your favor.

Beat CTC in Court

Remain Calm

First and foremost, try to keep your cool. Panicking will only serve to make matters worse and take your focus off of the game plan. The calmer you are, the better you will be able to put your plan into action.

No matter how threatening this debt collector sounds, do not send them a check or give them your bank account information. 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.

Get Legal Counsel

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 need to first make sure that you are well-prepared. This begins by securing documentation regarding your debt.

Send a Request for Production of Documents

This is a standard practice that requests proof from the debt collector that you are indeed responsible for owing a debt. You might be surprised to learn this, but debt collection agencies aren't always the most thorough or honest of organizations.

At times, they make mistakes or push for debts that are outside of the statutes of limitations. As such, you need to make sure that you have in your hands the legitimate evidence from CTC that says you owe a valid debt.

You want to also make sure that you request this documentation via certified mail. If CTC is unable to present such documentation, you have effectively won the case.

What's more, by requesting this information, you are showing that you won't be intimidated by the threatening tactics that debt collectors like to use. There have been many instances where the debt collection agency dropped the lawsuit after receiving a Request for Production of Documents.

But if they do provide the requested information, proceed to the next step.

Use SoloSuit to respond to debt collectors in 15 minutes.

Attend Court as Directed

You must show up to your court date on time. If you miss your court date, 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 show up for your court date, but CTC does not. If this happens, you will have automatically won. While this is certainly a possibility, it's best to assume that CTC will show. As such, you need to know what you're going to do once court commences.

Come to Court Prepared

During your court date, you need to come ready to win. This means not admitting that you owe the debt and trying to play on the heart of the judge. Instead, you need to remain professional at all times. When it is your turn to speak, you need to question the legitimacy of the debt.

Again, never admit that it's yours. On the contrary, you need to see tangible proof that you are responsible for paying the amount in question. Unless CTC can show you a copy of the debt with your legal signature on it, you have the right to contest anything presented to you or the court.

Furthermore, anything else that is presented is only heresy. If CTC can present a signed document made by you, you then have the legal right to claim that CTC is not the original owner of the debt, which they aren't.

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 nature in which debt collection agencies buy debt, it is unlikely that they will be able to show this proof.

If this is the case, you will have won. If CTC can produce the original signed document and show the court that you legally owe the debt, you may just have to admit defeat and agree to pay the debt.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Start My Answer


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for Debt Collection Guides for Other States

Here's a list of guides for other states.

All 50 states.

Guides on How to Beat Every Debt Collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win Against Credit Card Companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Make a Defense Against Creditors

Being sued over an auto, home, personal, or student loan? Find out how to make a solid defense.

Get Answers to These FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector