is ctl law legit?

CTL Recovery Ltd is a debt collections agency. In this day and age, the average American is more likely to be swamped in debt since jobs pay extremely less and people have to rely on loans. However, that can become a pain if you are unable to pay off your debt. Your creditors may hire CTL Recovery, to get their money back or the debt collectors may even buy your debt from the creditor.

Many people tend to panic when they see calls from CTL Recovery Ltd. They do not know the right response but they do not want to feel pressured either. Debt collection companies can get extremely rude and threatening if you don’t pay off the money you owe. However, if only consumers knew their rights, they would know that debt collectors have no right to engage with consumers in this way.

CTL Recovery Ltd has 4+ complaints. The last complaint has been made about “Billing/Collection Issues” and its current status is “Answered”.

When CTL Recovery Ltd comes knocking at your door, the first thing to do is to search for your rights in the Fair Debt Collection Practices Act 1977. This statute was specifically enacted to protect consumers from illegal actions, such as harassment, threatening to sue, threatening family members, coming to your home in disguise, etc. The key provisions of the FDCPA 1977 are:

When CTL Recovery contacts you for the first time, they have to give you a ‘mini-Miranda’ which is basically a full disclosure. In the ‘mini-Miranda’ you must be told of your right to dispute the debt, the name of the company, the debt amount and the right of the consumer to ask for its verification. They have to send you all of this information in writing 5 days after the call.

If CTL Recovery Ltd badgers you with constant calls at inconvenient times or at work, you can send them a cease communication letter. They cannot contact you during the specified time you mention, can only contact through letters or you can ask them to stop contacting at all. If they have to contact, it will only be to tell you whether the debt has been finished or whether the creditor is filing a law suit against you.

If CTL Recovery uses abusive or threatening language or harm the consumer in any way, it is illegal under federal law. They cannot call you to abuse you, use profane or offensive language, threaten you or your property or your family. They are not allowed to call you or your family from different numbers, silent phone calls or anything of the like is also illegal.