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Charline · Posted: Mon Jul 24, 2006 1:54 pm Subject:

Think what you will; I know who you are, I don't know who you are - it matters not. If it makes you feel better, go ahead and vent.
I have answered the questions many times over. You just don't like the answer.
This article that you all keep cutting and pasting is just an article. Someone got upset because they were called about a debt so they complained - just because someone writes something down on paper does not make it so.

Mr. David · Posted: Mon Jul 24, 2006 4:45 pm Subject:

OOhhh come on sweet pea . . you could have done alot better than that. "Just an article . . . Someone got upset so they complained . . ." etc etc. Come on Charlene -- sometimes you have had some intelligent-like retorts, but this one ... ugh. Horrible angelface. I would have something to the effect that this Blake House fellow was a rare isolated case in that he had his identity stolen / someone got ahold of his personal information and rung up bad debts. You see Charlene, no one in their right mind should pay you and your sketchy company ... I mean, come on, the article portrays the scene perfectly ("This is Mr David from Paul K. . . What?! Validation?!?! I'LL SEE YOU IN COURT"). Credible news sources, such as Channel 2 in Houston, dont just publish complete bullshit. Being that I work for a credible newspaper I know that one fellow (in this case Blake House) complaining doesnt warrant a story like this. Before something is published, there must be at least a reasonable periphery investigation. Like the article says, "every bill collector calling Texas consumers must be licensed and bonded, and with the Secretary of State." (this is true for all but 4 states) and "the law firm of Paul Kupferstein is not even registered to collect debt in Texas." End of story. Not just some complaint written down. There are legitimate ways to collect debt, and there are illegitmate ways, Charlene and her "firm" have decided to attempt to collect debt the illegitimate way. Period.

Guest 1 · Posted: Tue Jul 25, 2006 5:56 am Subject:

Well said Mr. David!

Either way, being a new person to this site, "Charline" in my own observation continues to avoid questions raised which would in my opinion indicate that they are hiding something.

You keep saying "Charline" that you have answered "Intimidated" and "Jockman811"'s questions regarding this eWallet topic but you HAVEN'T.

If you want this particular topic to end, answer the questions DIRECTLY and it may get quiet around here. If not, seems the debate will go on and your firm will continue to be on the hot coals for every comment you try to come up with an answer for or for every question you to try to avoid by saying "I've already answered your questions" when in fact once again you haven't.

Pretty simple and uncomplicated really.

Sandy S · Posted: Tue Jul 25, 2006 9:50 am Subject:

It has been months since Mr. David last called. In October it will have been a year since first contact. No validation of a debt has ever been provided to me. The calls I originally received were in regard to 900 number charges that were a result of a trojan dialer on my computer. I beleive the Law Office has stopped calling because they know the debt is not real and it is no longer profitable to try to collect beacuse I know their game. I believe, as earlier posts suggest, that they get old records for nothing or next to nothing and attemp to collect even if the debts are bogus.

There is an article by Liz Pullam Weston called 'Zombie' Debt Is Hard to Kill that talks about companies that buy debt for pennies on the dollar. It says something to the effect that if the collector can collect even $1 they have made back more money than they have invested. Charline, I wish you well in your pursuit of those that owe legitimate debts, but the attempts to collect the bogus debts using the tactics that the Law Ofiice uses is what drives the negativity towards its operation.

Charline · Posted: Tue Jul 25, 2006 11:39 am Subject:

Sandy, the law office has never purchased any debt files let alone those from 900 number services. All files that we had recieved were forwarded by service providers. I have heard stories about cramming and trojan dialers, and it's unfortunate that you were targeted.
I have tried and tried to explain on this forum that we have information forwarded to our office by companies that require debt recoveries. Some times access is granted to their servers and therefore we can access back up - other times this is not the case.
I respect the maturity displayed in your post. I believe I have seen the post Zombie Debt...that you refer to.

Guest 1 · Posted: Tue Jul 25, 2006 11:49 am Subject:

WOW - now how hard was that Charline to answer Sandy's questions????

Why would you not show the "respect" to Intimidated and Jockman811's questions as well???!!!

I feel the need to stick up for them as you seem to lead a double standard here - that is you choose what you feel like answering too yet at the same time critize certain participants in the forum.

Funny how YOU use the word "maturity"!

Guest 1 · Posted: Tue Jul 25, 2006 11:51 am Subject:

P.S. You avoided my post as well Charline - why is that?!

Like I stated in my previous posting, solution is pretty simple and uncomplicated - just answer questions directly.

Guest · Posted: Tue Jul 25, 2006 12:07 pm Subject: Paul Kupferstein

Mr. Kupferstein was disciplined by the Law Society of Upper Canada and in an agreed Statement of Fact admitted that the people who hold themselves out to work for him are not his employees and work for Liability Solutions and they pay him to use his name.

Sandy S · Posted: Tue Jul 25, 2006 12:28 pm Subject:

Charline, It is entirely possible that your firm never pays for debt files. Not paying for the files would mean that any money collected bt the Law Office would be 100% profit. I can certainly understand the attraction to being in that business. I'm thinking that the reason for the collection tactics and such are in direct correlation to the 100% profit upside.

If the files forwarded to you do not contain the necessary information to legally pursue the debts, then why does the Law Office pursue them? Aren't there enough valid debts with adequate information to pursue? I think the answer there is that the profit margin may not be as high so they are less attractive.

I can understand your defense of your organization. You likely put a lot of effort into your job and it pays the bills. I'm just posing my thoughts for your perusal as it may cause you to wonder why this forum exists with regard to your organization.

Intimidated · Posted: Tue Jul 25, 2006 12:34 pm Subject:

Excellent last sentence Sandy S!

Charline · Posted: Tue Jul 25, 2006 12:48 pm Subject:

We work on a contingency fee basis, I assure you we do not profit from 100% of the collections. How on earth did you deduce that since we don't purchase files we must then keep all of the money? We are forwarded the necessary information required to pursue debtors. It's all the back up that I'm referring to. Some companies have pages and pages of electronic communications from each debtor! Again, you're looking for something that just isn't there.

Guest, that is a very interesting comment. In fact, the staff of the law office are employees of Mr. Kupfersteins - he's the one that signs their cheques.
Next...

Guest 1 · Posted: Tue Jul 25, 2006 1:18 pm Subject:

Hello Charline, forget about my question?

Guest · Posted: Tue Jul 25, 2006 1:21 pm Subject:

Guest1, I'm not obligated to answer any of these posts, and I absolutely refuse to continually repeat myself. You all continue to hurl your insults and derogitory comments towards me, and you insist that I and/or the Law Office has something to hide.
I'm not using an alias, and I'm not hiding my contact information.
I could be wrong, but I hazard a guess that your real name isn't Guest1?
Tell me who you are and provide me with your contact information and then we're on a level playing field. No, you won't do that because then your gigs up.

Sandy S · Posted: Tue Jul 25, 2006 1:34 pm Subject:

Charline,

Now we're getting somewhere. You do not buy files, you receive a fee upon successful collection of a debt. That explains a lot. The contingency, therefore, must determine the lengths to which your organization will go in order to collect a debt. Debts with limited or incomplete information would likely be subject to the hard tactics to which many of us have been subjected.

Charline, I will admit to you that I believe your organization has integral ties to some of the businesses you are collecting for.

I'm not usually a conspiracy theorist, but it isn't a stretch to believe that someone could set up a scheme using Trojan dialers and subject innocent people to false charges and then turn around and attempt to collect for these charges. Any money collected in this manner would be profit (minus the time to collect) - hence the hard tactics. My comment about 100% profit came from this vein.

Charline · Posted: Tue Jul 25, 2006 1:41 pm Subject:

I applaud your imagination Sandy S, however the Law Office has never been involved with any Trojan dialer or cramming related scheme.

Sandy S · Posted: Tue Jul 25, 2006 1:51 pm Subject:

Thank you for communicating with me through this forum. Your firm does have my personal information (more than just my name and phone number)since I made a complaint through the BBB several months ago. I'll look forward to hearing from your organization soon.

The negativity in this forum stems from frustration, fear, anger, and maybe some guilt. I'm surprised at how long you've endured this forum and to that I can only applaud.

I'll go back to lurking now. Good luck to all!

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