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Charline · Posted: Wed Jun 21, 2006 12:19 pm Subject:

Giddy Up!!, we are not a collection agency and therefore do not require a collection agency licence.
As well, it appears as though you may have looked up the fdcpa instead of the act that applies in Canada.

Charline · Posted: Wed Jun 21, 2006 12:30 pm Subject:

go to www.governmentservices.gov.ab.ca
click tap on top of page LEGISLATION
scroll down to Collection and Debt Repayment Practices HR/194/99 (blue print)
Queen's Printer appears at top of this page
scroll down to section 12 subsection (x)
The statute for limitations in the province of Alberta (which by the way applies to all provinces) is 6 years.
JediJeff13, if you have problems with this site please contact the government of Alberta at 780-427-2711 and they will connect you with the appropriate dept.

Posted: Wed Jun 21, 2006 1:02 pm Subject:

From what I can find in regards to your company it states you are a law firm/collection agency. That means if you are collecting in the United States, you have to follow the fdcpa laws.

Giddy UP!! · Posted: Wed Jun 21, 2006 1:35 pm Subject:

Charline, it appears to me that you (or who you 'work' for)are a collection agency portraying yourselves as a law firm. If in fact that is the case, no reputable lawyer would behave as Mr. Sergeant has in my case. I have dealt with and I work with several lawyers and none of them would stoop so low!! If I do owe the money, I will contact the vendor myself and pay them directly. Why would I send money to an unknown 'firm' out in Eastern Canada when I could go pay the debt in cash and get a receipt immediately and have the paper documentation prior to me paying? There is 20 some pages here of complaints against your so-called firm. There is no doubt in my mind that this is a whole big scam. How you sleep at night is beyond me? You prey on the old and the weak! You should be ashamed of yourself! I am a firm believer in 'what goes around, comes around'!! Your time will come! Oh and one more thing, if the Government of Canada has a 2 year Statute of Limitations why would you expect me to believe that a Payday Loans collector would have 6 years?!?!?

Charline · Posted: Wed Jun 21, 2006 7:02 pm Subject:

Giddy UP!!, yes there are complaints, but there are complaints about many recovery companies on this forum - that doesn't make the complaints factual.
Statutes of Limitations are different for different things. In this particular case the limit is 6 years.
We don't prey on anyone, that's just a silly comment. The one who perhaps should be ashamed is you for not taking care of this matter before the file had to be sent to our office. We contact people that are indebted to our clients. The paralegals from the law office have a job to do, they don't say please - I know that. They hear every excuss in the book as to why people do not want to pay our clients back.
I encourage you to pay your bill, if you want to pay the client directly please do.
I'm not sure how many times I need to say that we are not a collection agency, nor do we pretend to be one. The Law Office is a law office that provides debt collection services.
Contact this vendor and ask them who represents them for their collections. If we were operating a "scam" how do you figure we got your information?
I wish you no ill will, you are clearly an unkind person.
Please pay the vendor, they will notify our office and your file will be close.
Charline 905-474-3535 ext. 513

Tammy,
We are not a law firm/collection agency we are a Law Office.

Posted: Wed Jun 21, 2006 7:34 pm Subject:

Thats weird. Here is what I have found.

Intimidated · Posted: Thu Jun 22, 2006 6:33 am Subject:

Haven't been here for a little bit but apparently they are still at it!

Intimidated · Posted: Thu Jun 22, 2006 6:37 am Subject:

P.S. Great job Tammy!

Charline · Posted: Thu Jun 22, 2006 7:19 am Subject:

Tammy, you've posted this because?...
All collection agencies and/or law firms that porvide recovery services receive complaints. Many people simply do not want to take care of their indebtedness and look very hard for ways to get out of paying. A complaint to the BBB is only one of many.
Charline 905-474-3535 ext. 513

Posted: Thu Jun 22, 2006 7:26 am Subject:

I posted it to show that you are a collection agency/law firm. It clearly states additional names Law Office. So many collection agencies claim to be law offices to scare people into paying. If a law firm provides collection services, then they are bound by the laws of the fdcpa. In response to the BBB portion of your comment, people report to the BBB to receive help in dealing with shady businesses.

Guest · Posted: Thu Jun 22, 2006 8:14 am Subject:

If you are a law office trying to collect debt, then you are a collection agency per U.S. laws...if you are trying to collect money from the U.S., then you must follow those laws. If you sue for the money, you must be licensed in the U.S. or hire an attorney in the U.S. to do it for you, good luck with that. I am sure no U.S. lawyer will touch this with a ten foot pole. Don't be stupid.

Guest · Posted: Thu Jun 22, 2006 8:16 am Subject:

Many collection agencies get complaints, but the reputable ones resolve them, I think that might have been the point of Tammy's post from the BBB.

Guest · Posted: Thu Jun 22, 2006 10:05 am Subject:

I doubt that when people call the BBB they are calling to complaing about a debt Charline. The reason people call the BBB is report unfair business practices that apparently your so called "law firm" in notorious for. I think Tammy posting that blurb about your law firm / collection agency answers some valid questions.

Looking back on this forum I recall reading that you were never going to post here again - change of mind?

Posted: Thu Jun 22, 2006 11:24 am Subject:

under US Federal Case Law, law firms dealing with debt collection are acting as collectors if they receive the debt for the purpose of collecting the debt as opposed to litigating the debt.. in other words If I hire an attorney to sue to collect a debt for me they are acting as an attorney.. If I hire an attorney to collect a debt they are acting as a collector...

Posted: Fri Jun 23, 2006 1:58 pm Subject:

Charline, would you ask Mr. Sargent and Mr. David to answer one question for us:

Why, when we asked them to send proof of debt did they refuse?

We can make all the claims about this law and that law, US vs. Canada. One simple fact is that both laws state that proof of the debt MUST be provided when requested. Why did they refuse to send proof and instead threaten us with court and jail? I pay all my bills, but I will not pay a bill where the collector refuses to send me a bill.

Paul Kupferstein & Associates and Liability Solutions, Inc are collection agencies - all the proof is out there. Make whatever claims you want, the fact is we have shown proof of what your company really is.

And no Charline, I don't have to call you. You know I have no debt with your company. I just want to know why when I asked Mr. David to send me proof, he refused, threatened and hung up? And no, I will not call him. Not unless you give me either a toll free number, or better yet, his home number.

jockman811 · Posted: Mon Jun 26, 2006 5:07 pm Subject: Kupferstein

I just got a call today and was absolutely freaked out that I was being sued. So, exact actions should I pursure? Should I not bother to call back? Ignore their future calls?

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