If C Tech Collections has appeared on your credit report, it usually means an unpaid medical or dental bill has been sent to collections. Here’s what to know about them—and how to get that negative mark removed.
Who Is C Tech Collections?
C Tech Collections, Inc. is a debt collection agency located in Mount Sinai, New York. They work with businesses to collect unpaid debts, often reporting accounts to the credit bureaus in the process.
If you see C Tech Collections listed on your credit report, it means they are trying to collect a balance tied to a past-due account.
Who Does C Tech Collections Collect For?
C Tech Collections focuses on the medical and dental industries. Their clients include:
- Hospitals
- Medical providers
- Dental clinics
- Specialty healthcare offices
If you’ve fallen behind on a medical or dental bill, your account may have been passed to C Tech Collections for recovery.
Is C Tech Collections Legitimate?
Yes, C Tech Collections is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. But always verify any account they claim you owe before making a payment. You have the right to confirm the details.
How to Remove C Tech Collections From Your Credit Report
Collection accounts can lower your credit score and stay on your credit report for up to seven years. But you have options to address the issue:
- Dispute the Account: If the information is inaccurate or incomplete, file a dispute with the credit bureaus. They are required to investigate and correct any errors.
- Negotiate a Pay-for-Delete: Some collection agencies may agree to remove the account from your credit report in exchange for payment. Always get this agreement in writing.
- Work With a Credit Repair Service: Credit repair professionals can help dispute questionable accounts and work to have them removed.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay C Tech Collections?
Before making payments or contacting C Tech Collections, verify the debt. Credit reports often contain errors, and debts that have already been resolved or are outside the statute of limitations may still show up.
Also, paying a debt can sometimes reset the statute of limitations in certain states, extending how long the debt remains legally enforceable.
Many people work with credit repair services to avoid common mistakes and handle collections the right way.
Can C Tech Collections Sue You or Garnish Your Wages?
C Tech Collections can sue you to collect a valid debt. If they take legal action and win, they may be able to garnish your wages or levy your bank account, depending on your state’s laws.
That said, most debt collectors prefer to resolve accounts through payment plans or settlements before resorting to lawsuits.
Complaints About C Tech Collections
Like many collection agencies, C Tech Collections has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
The most common complaints include:
- Inaccurate or outdated information on credit reports
- Harassing or excessive phone calls
- Failure to verify debts
If you feel your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With C Tech Collections
You’re protected under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), which regulate how debt collectors operate.
Here’s what those laws guarantee:
- Debt Validation: You can request written proof that the debt belongs to you and that the amount is accurate. Send a debt validation letter within 30 days of being contacted.
- Accurate Reporting: C Tech Collections cannot report false, incomplete, or outdated information about you.
- No Harassment: They cannot use threatening language, call repeatedly, or attempt to publicly shame you.
- Transparency: They must clearly identify themselves as a debt collector and explain why they are contacting you.
- No False Threats: They cannot threaten arrest or legal action they have no intention of pursuing.
C Tech Collections Contact Information
Address:
C Tech Collections, Inc.
5505 Nesconset Highway, Suite 200
Mount Sinai, NY 11766
Phone Numbers:
(888) 331-0541
(631) 828-3100
Remove C Tech Collections From Your Credit Report
If a collection account from C Tech Collections is damaging your credit, you don’t have to face it alone. Credit Saint has helped thousands of people dispute negative items and clean up their credit reports.
They even offer a 90-day money-back guarantee, giving you extra peace of mind while working to improve your credit.
Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
