I had CTI calling and harassing me all the time. They would call my work after I told them not to; call my cell phone at 3:11, 3:13, 3:17, 3:20 and so on. I even offered to pay $100.00/month, but they turned this down telling me it was not enough!!! I even asked them if I mailed in a payment what would happen. Their response "we will send it right back because it's not enough".
Their 'customer service reps' are not too smart at all leaving harassing messages/threats. I was smart enough to get an attorney & actually sued CTI!!! We settled out of court for an undisclosed amount; but during this time I found out that CTI hires FELONS as they believe in giving people a 2nd chance. Too bad that 2nd chance they took cost them some big $$$; and it was all from ONE voicemail that was left on my cell phone. My suggestions: RECORD ALL PHONE CONVERSATIONS because eventually they WILL slip up (give them a couple months) and you will have enough evidence of their rude & ridiculous behavior to sue them. Get an attorney that specializes in 'Debt Collection' and trust me you will have a case!!!
I personally don’t believe in suing people, but you can only take so much from these people... I didn’t care how much I won; my comfort came from knowing that CTI had to pay attorney fees and any other fees associated with my lawsuit—they hurt me emotionally, therefore in the end, I hurt them financially!!!