800-620-4284

damn robo caller scam
cease and desist letter sent certified mail

Received a call from this agency. The representative was rude and belligerent would not give me any information as to why she was calling and just insisted I give her my social security number.

I love when a person or company representative calls me on a private cell phone, telling me they are handling a matter for me and are authorized to speak to me regarding said matter. Then they insist I provide birth date and social security number to "verify" my identity. Then they add the little quip on the end of it indicating this is very beneficial to me. none the less the representative was speechless when I informed her I am not verifying [***]! You have a name and a number and you called that number and requested to speak with the person. I am pretty sure Elvis is not answering my cell phone. Again she adds this is very beneficial to me. Again she was left speechless when I said oh really? Are you making me a billionaire or giving me free [***] for a year?

This company continues to call me even though I have repeatedly told them they have the wrong person. I have confirmed their debtor has a different birthday etc. Today I got a collection letter in the mail. How hardis it for these morons to remove my number?

As with any "debt" the Hospital no longer owns the debt and sold it. The collection agency bought it for pennies on the dollar, which is why the Hospital won't accept your payment. Use the resources of your state, starting with the Attorney General to fight back. And only deal in writing so you have a paper trail.

You forgot to mention this part Julie........

FDCPA

(The following is a summary of possible violations under the Act for which a debtor or alleged debtor may obtain up to $1,000 as a victim. These violations are simplified in content to make easier to understand. A link is provided below to to the actual Act itself. If you think your rights might be violated, you do not need to search through this list. Contact an FDCPA attorney and they will carefully review the collection company's actions for any possible violation.).

   You have experienced repeated calls (including computerized automated calls) from a debt collector.
   A debt collector has informed third parties that you owe a debt.
   A debt collector has called you before 8:00am or after 9:00pm.
   A debt collector has failed to identify themselves when calling you or a third party concerning you.
   A debt collector has engaged in any conduct you found to be harassing, oppressive, or abusive. This includes the making of any type of threats (including threats to "garnish your wages"), use of obscene language, excessive telephone calls, etc.
   A debt collector has called your place of employment after knowing or having reason to know that your employer has forbade such calls.
   A debt collectors is attempting to collect an amount (including interest, fees, or collections costs) that were not authorized by your agreement with the original creditor.
   A debt collector has sent you post cards regarding a debt.
   A debt collector has sent you mail in which reference to a debt is printed on the outside of the envelope.
   A debt collector has used any false representation or otherwise deceptive means to collect a debt or obtain information about you.
   A debt collector has informed a third party that you owe a debt (other than a consumer reporting company).
   A debt collector has used any language or symbol on an outer envolope mailed to you that indicates that the letter relates to a debt.
   A debt collector has continued to contact you after you have informed them in writting that you refuse to pay the debt or that you wish to debt collector to cease communication with you. (There are limited exceptions for which the debt collector may still contact you).
   A debt collector has made threats of violence or other criminal means to harm you, your reputation, or property.
   A debt collector has used obsence or profane language with you.
   A debt collector has published your name as someone who allegedly refuses to pay debts.
   A debt collector has advertised for sale your debt to coerce you to pay the debt.
   A debt collector has caused your phone to ring excessively, the natural result being to harass.
   A debt collector has called you without meaningful disclosure of the caller's identity. (Such may be the case when they demand your name or social security number, etc. before they tell you who they are).
   A debt collector may not use any false or misleading representations or means to collect a debt.
   A debt collector has falsely represented or implied being vouched for or otherwise affiliated with the federal gov. or any state gov.
   A debt collector has falsely represented the character, amount, or legal status of a debt.
   A debt collector has falsely represented that they are an attorney or that any communication is from an attorney.
   A debt collector has falsely represented that nonpayment of the debt will result in the arrest of any person or the seizure, garnishment, or sale of property.
   A debt collector threatens to take any action that cannot be legally taken.
   A debt collector falsely represents that the consumer (debtor) has comitted any crime.
   A debt collector communicates or threatens to communicate credit information to any person when that credit information is false. (The debt collector must also inform others that the debt is disputed, if such is the case).
   A debt collector has used any document which falsley simulates a court document or any other governmental document.
   A debt collector uses any false representation or deceptive means to collect or attempt to collect a debt or to obtain information about the debtor.
   The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.
   The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.
   The false representation or implication that documents are not legal process forms or do not require action by the consumer.
   A debt collector cannot collect any amount (including any interest, fee, charge, or expense additional to the original amount owed) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
   The acceptance by a debt collector from any person of a check postdated by more than five days unless such person is notified in writing of the debt collector's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
   The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
   Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
   Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
   Communicating with a consumer regarding a debt by post card.
   Using any language or symbol, other than the debt collector's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

They called my cell phone asking for someone with my wife's first name (no last name given).  I asked for more info but they refused to give any (not even the last name of the person they were looking for).  They wouldn't tell me why they were calling or who they were, they simply demanded to know if she was available to talk to.  I wasn't even sure if it was actually my wife that they were looking for.  I kept asking "Karina" for information without telling her anything and eventually she hung up on me.  My wife had student loans but payed them off COMPLETELY over 20 years ago.  (I should know, we were married at the time and I was the one writing the checks!)  We have no debts in my wife's name, all of our debts are either in my name or in both of our names jointly so they should have been willing to talk to me but they weren't.  VERY aggressive and uncooperative.  They have called several more times in the last two days but I don't bother to answer.

Learn how to spell.  Legitimate spelled lig?  Obviously you have no student loans.  There is a statute of limitations.  It is age 65.  Wage garnishment is 10 percent of your non minimum wage pay for a certain number of hrs per week.  Your info is incorrect and misleading not to mention acting as a mouthpiece for a crooked industry.

I have been dealing with CTI now for almost a year. I was called on my old job that my wages was about to be garnished for a student loan debt. I wouldn't release my information until I spoke with Dept. of Education which I was told they turned it over to CTI. I called got in the rehab program I since last September changed jobs. I called my account rep informed him of this matter. I was then told about a month later that my account was handled by someone else. The female who's name I never really got was running the payments thru before my pay dates. I was calling checking in and leaving voicemail messages with the first account rep. and never got a call back. I'm almost done with the program but wait I started noticing my payments weren't being taken out my account from April to July 2014. So I called was told oh! we changed your account rep. also we're about to garnish your check threat's again of this. I got the new account rep's name .Michael Butterfield ext .3406 and was told I have to pay $350 now instead of the orginal payment of $114 . He told me my salary is $44,000 and that was truly wrong I have to verify it with my 1040. I'm late on getting my taxes done so I called my tax person got the true salary for 2013.I then called him back gave him this information re-verified my banking information and card number. I was then told you have to pay now monthly $184 cool I'm ok with that. I asked to speak with a manager because I would need to move things around for this payment to come out on Aug 1. I was told by a Mr. Arthur Hernandez NO!!! you can go get it from a family member or someone else I can't help you. By Friday July 18th, 14 the $184 was taken out my account on Monday and Tuesday I was called and asked where is your 1040 I explained I was unable to pay for my taxes because of the payment your office this is why I asked to pay it on August 1st. I was told we need a months worth of your pay stubs and you have 20-days to get this done . I was never told by Mr. Butterfiled or his Manager Mr. Hernandez of this matter , that I have 20-days to update everything but they have already started taking monies out my account. I never received this letter of said, garnishment or any updated letter of we are trying to reach you. Yes! the have some stuff with them but I am one trying to work with them but they make it very hard to want to deal with them. We are at a lost when they talk about garnishing your check in Maryland they can take 25% go figure.

There's a lot of incorrect information on this forum so I will do my best to clear them up.

1. CTI or any company contracted by the Department of Education (DOE) do not "BUY" loans for pennies. That may be in other industries, but not the student loan industry. The DOE contracts these companies to resolve the defaulted balance as there are billions of dollars in student loans and the DOE cannot handle such a load.

2. A Debt collector CAN absolutely call your place of employment, neighbor, relatives, fiancé, spouse or anyone else that is associated to you. Your place of employment cannot be contacted if you inform them you cannot receive calls there and third parties should no longer be contacted once they get in contact with you. Keep in mind when contacting third parties debt collectors can only ask for location information i.e. Place of employment, address, phone number, BUT they cannot disclose information as to the debt to the third parties. Which leads into the next point ...

2. Since it's illegal to disclose information related to the debt to third parties. It only makes sense that the debt collector verify who they are speaking with BEFORE disclosing, (DOB and Last 4 of SSN). Keep in mind that the borrower is treated as a third party until the identifying information is confirmed. Keep in mind there are a lot of scams out there asking for DOB AND SSN for fake Debts that you don't even owe. If you don't feel comfortable providing your information, ask them to provide the "identifying information" they have on file to you and you can confirm whether it is correct or not.

3. Since your loan is still owned by the DOE, all garnishments, tax off-sets, or collection fees assigned to the balance are done by the DOE not the collection company itself! The garnishment process is an administrative process, which means there are no judgements or court hearings. The notifications you receive are usually the debt collection agency calling you, letters being mailed to the address on file (perhaps not even your current address if you moved), and calls to your job or third parties. These are all attempts to locate you and inform you as to what is going on.

4. Last and final point is the best way to deal with a debt collector is to PICK UP THE PHONE! In the case with student loans whether you don't have money to pay, it's not your loan, you so called "paid it off", or you just don't want to pay a licking cent! Picking up the phone solves a lot, not answering the phone resolves nothing. Student loans never go away. Which means until you actually pick up the phone and handle it, collection calls will keep coming whether it's one agency or the next. If your dead broke pick up the phone and explain to them that your dead broke. Sure they will try everything they can to get you to pay, but next time they come to your account they will know Debtor X is dead broke and they will move on to Debtor Y. A debt collector can call you three times a day and up to 9 times per week! That can be up to almost 40 calls in a month! Answer your phone so they can leave you alone!

I received a call from 800-6204284, Collections Tech both on my home and my cell phone (which costs me money) for someone who does not live in my home.  The caller was rude, refused to tell me who they were or what their business was.  I asked to be removed from the calling list and she was rude.

Bothered,
Can they actually put leans on any of your income, what if you are a single mother? some answers please i would like to pay back my student loans but when i try to who am i really supposed to get to help me and who can i trust ive had people take 100 dollars and never hear back from them. HELP!!!

Yes the department of education can garnish your wages for your defaulted loans if you don't set up a voluntary payment arrangement. You can be placed on a voluntary  rehabilitation program where the payments are calculated by your family size and annual gross income. Payments  can be as low as $5 a month! Way better than being garnished 15%! Here's the department of educations loan locator number 1-800-621-3115. They will be able to locate which collection agency is servicing your loan so you can give them a call. Good luck!

These people keep calling.  I'm 67 and have no student debt. They call almost daily and ask for someone who I have no knowledge of.  I'm on the do not call list and also block the number but somehow they keep managing to get thru,  I am actually going to disconnect my home phone since the only calls I get are either scams or recorded messages,  This totally sucks,

I got a letter in the mail and knew immediately they were scammers. I read thru the letter closely and highlighted all that I could see extremely wrong first of all don't send a letter to me a few mnths after I had already taken care of my loans with the creditors that it was with for 3yrs. don't send a higher bal then the original. don't call my phone the day the letter comes in. And get ur [***] together if ur going to temp to do this to a lawyer

I have been paying my student loans through CTI for nine months and when they called me I was given options and also was able to get my loans out of default

To Julie, the "collector" who posted below - stop trying to scare people. You are a bottom feeder.

To people being harassed by CTI and other collectors - do NOT give any information over the phone. File complaints with the Atty General and BBB. People cannot harass you unless you let them. Cahnge your phone number if need be to get some peace. Many of us are dealing with serious health issues or family emergencies and the last thing we need is to be harassed by some collector with a high school education who gets paid $8 an hour to upset people - like Julie.

Most of all, do NOT listen to anyone who posts on here and says they are a collector because they are trying to scam you. File every complaint you can against them as they are trying to disrupt your life. No law requires you to talk to ANYONE by phone.

The worthless collection industry made 1 BILLION in commissions just during one recent 9 month period. 1 billion in just 9 months.

The best thing you can do is give them no information and file a complaint against them. Take back your sanity from these bottom feeders.

Why are they calling me when I'm STILL IN SCHOOL? I was told I would not have to start paying anything back until I graduate.