800-620-4284

I moved overseas and am never paying these worthless jerks. Love living abroad, price is great and they will never get me!

"Student Loan Repayment Plan: Fake my own death and move to Costa Rica" — Kadmiel Vander (@Kadmielv) December 15, 2015

Or just move to Costa Rica. :)

People- DO NOT ANSWER THE PHONE IF YOU DO NOT KNOW THE NUMBER!

Do NOT talk to them on the phone and do not give them any information!

Change your number if need be to get some peace, and file a complaint with the Consumer Financial Protection Bureau, the BBB, and especially the Attorney General in your state.

Why people are answering the phone or calling these idiots back if they don't know the number calling them is beyond me. You are subjecting yourself to being harassed and upset if you answer the phone.

Take CHARGE of the situation.

Hey Julie, the "collector" who keeps posting on these board pretending she is a regular person (and saying how great CTI is to work with , lying piece of Cr_(&

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.

To Julie, the "collector" who posted in this thread - 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. Change 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.

Please everyone- File complaints against CTI in as many places as possible - BBB, State Attorney General, FTC, Consumer Financial Protection Bureau, and an attorney. They are bottom feeding people who are unprofessional and harass consumers, and as a group we can stop them.

Most of all do not speak to them on the phone and do not give them any information.

People - do NOT answer the phone if you don't know the number calling you. They spoof local numbers all the time to make it appear as if it might be someone locally that you know. Don't answer the phone and do not call them back!

Once again, do NOT call them back for any reason, even if it is not you or if they have the wrong person, as they will never leave you alone.File a complaint with the Attorney General and the Consumer Financial Protection Bureau. Also complain to Dept of Educ. If enough people file complaints, CTI Collectors WILL be taken off the Dept of Ed collector list for their shady business practices!

Simple, Block their numbers or change your number. These jerks robocall from many different number so just do not answer, people!

Why not contact the owner of this worthless, bottom-feeder company and tell him personally via e-mail about the charges you'll be filing? Jerks

Chris Van Dellen Phone (800) 743-4284 x 400 Fax (818) 840-0968 Email cvandellen@collectiontechnology.com
Caller: CTI Collections

The bottom line is that no one should EVER, EVER communicate with any collection agency except in writing. Period! You're allowing them to hold you hostage on the phone and harass you if you even speak to them at all. Don't do it.

Loved this response that someone else posted:

Fed~Up
1 Mar 2011
I received a call form them on my job; asking to speak with my brother.  I informed the rep that I was not him and told her that I would not give her any info on myself.

I then stated that I was recording the call turn on my phone voice recorder and it went something like this...."Reps (Name ~ Ext. 3138 ~ Reference # ) "I am not the person (Name) that you are looking for and you are not to call my job...." and then the phone went dead she hung up. All you have to do is inform them that they have the wrong person and that they are being recorded and began the recording and they will leave you alone.

Call them from a blocked number and blast a loud horn in their ear

Do not talk to them on the phone, people! Do not answer numbers you don't know nd don't call them back. It is ridiculous to allow them to harass you on the phone. File a complaint with your attorney general and the consumer financial protection bureau

Once again - do not talk to them on the phone! Period. Communicate in writing only.

I changed my phone number and finally got some peace. I'm very ill and the stress was unbelievable. Now I can finally have some peace.

Collectors make BILLIONS of dollars a year from people who are just trying to exist, many of whom have health problems and are scraping and scrambling to survive. Scr(&^ them. Don't answer their calls, change your number if you have to. Moving to Costa Rica is a great option too and it's fabulous here! These people calling you barely have a high school education and make $8 an hour. Enjoy your $8 an hour job while I enjoy the sun, far away from you living in Costa Rica. Peace at last and NO MORE calls.

These unscrupulous collectors will actually scramble their caller ID's so it looks like a local call coming from your area code. This is a violation of the Truth in Caller ID Act of 2009. Punishable by a $10K fine. Call them out on it if this happens and document everything.

And, I agree with what is stated above - DON'T answer your phone even if you don't know the number, EVEN if it comes from a "supposedly" local area code!!

You could go that route if you wanted but the Federal government would have to do the prosecuting and they would get the money.  Personally i would rather put the money in my pocket.  So I would sue under the FDCPA, TCPA and the Fair Credit Reporting Act as well as any state law violations.

That's already been suggested repeatedly. Nothing new here.

Best answer yet

from Fiona:

People - do NOT answer the phone if you don't know the number calling you. They spoof local numbers all the time to make it appear as if it might be someone locally that you know. Don't answer the phone and do not call them back!

Once again, do NOT call them back for any reason, even if it is not you or if they have the wrong person, as they will never leave you alone.File a complaint with the Attorney General and the Consumer Financial Protection Bureau. Also complain to Dept of Educ. If enough people file complaints, CTI Collectors WILL be taken off the Dept of Ed collector list for their shady business practices!

I changed my number and finally got some freaking relief from these jerkwads.