If you’re currently facing a court date against the debt collection agency known as “CTC”, it’s important to understand your rights and how you can beat them in court. Though it’s understandable to feel stressed out by the situation, try to put your dread aside for a moment and listen to what we have to say.
In this helpful guide, you’ll learn the best methods to use to defend yourself and beat this debt collector in court. With the right approach, you can come out on top against even the most daunting opponent. So read on and arm yourself with the knowledge you need to win!
Find Out More About CTC
There’s always good to be prepared. Let’s take a moment to talk about CTC debt collectors and what you can do if you find yourself in their sights. C. Tech Collections has been collecting on debts for over 30 years, so they understand the laws and regulations governing their interactions with clients.
However, that doesn’t necessarily mean they always follow them. As you may know from experience, CTC has gotten sloppy, or they’ve not had enough pushback to keep them from breaking the law.
The complaints against CTC contend that they have violated the Fair Debt Collection Practices Act (FDCPA), which is designed to protect consumers from being harassed or threatened by 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 the situation feels hopeless, there are things working in your favor.
Defeat CTC in Court
You’re in debt and a collector is threatening you. It’s natural to feel panicked, but try to stay calm. Losing your cool will only make the situation worse and take your focus off of what you need to do. The calmer you are, the better able you will be to put your plan into action.
No matter how threatening this debt collector sounds, do not give them any money or your bank account information. If you do, you are admitting that you’re guilty and giving them the win.
Instead, what you should do is contact a legal expert who can help guide you through overcoming CTC’s tactics.
Consult an Attorney
Although you can represent yourself in small claims or magistrate court, having a trusted debt collection attorney by your side will give you a smoother experience.
If you choose to go it alone, make sure you are well-prepared by securing documentation related to your debt. This will give you the best chance for success in court.
Request the Production of Documents
If you’re being pursued by a debt collector, don’t just assume that you owe the debt they’re claiming. It’s not uncommon for collection agencies to make mistakes, or to try and collect on debts that are outside of the statute of limitations. So if you want to make sure you only pay what you actually owe, it’s important to request proof from the collection agency that the debt is legitimate.
You can do this by sending a certified letter requesting documentation of the debt. If the collection agency cannot provide such documentation, then you have effectively won the case. And even if they can provide proof, by requesting it in writing you’re showing that you’re not going to be intimidated by their tactics. There have been many instances where simply Requesting the Production of Documents has caused the debt collector to drop the lawsuit entirely.
Follow the instructions of the Court
You must appear in court on the date and time specified. If you fail to do so, the judge will rule in favor of CTC, and you will be responsible for paying the full amount of your debt. However, if CTC does not appear in court, you will automatically win. Although this is a possibility, it is best to assume that CTC will be present. Therefore, you need to be prepared with a plan of action for when the court begins.
Prepare for Court
If you are facing a court date for debt, it is important to come prepared to win. This means having a solid defense and not admitting that you owe the amount in question. You should also remain professional at all times and question the legitimacy of the debt when it is your turn to speak.
Unless the creditor can provide proof that you are responsible for the debt, you have the right to contest it. Furthermore, anything else that is presented as evidence is only hearsay and can be dismissed. If the creditor does have a signed document from you, then you can claim that they are not the original owner of the debt, which voids their case.
Now that the ball is in CTC’s court, it is their responsibility to provide documentation proving that the debt was legally sold to them and that they, therefore, have the right to collect on it. However, given the way debt collection agencies typically purchase debt, it is unlikely they will be able to produce such proof.
If this turns out to be the case, you will have won. If CTC can show the original signed document and convince the court that you legally owe the debt, then you may have no choice but to admit defeat and agree to pay up.Clearone Advantage, Credit Associates, Credit 9, Americor Funding, Tripoint Lending, Lendvia, Simple Path Financial, New Start Capital, Point Break Financial, Sagemore Financial, Money Ladder, Advantage Preferred Financial, LoanQuo, Apply.Credit9, Mobilend