Internet's first get-out-of-debt community - 136,000 members

Mr. David · Posted: Wed Jul 26, 2006 3:20 pm Subject:

Well put Sandy S. I just dont understand why it is so hard to play by the rules and send debt verification when requested. Per US and Canadian law, in relation to debt collection, requires verification to be sent when requested. Indeed, the failure to send such when requested is what lead me to do a Google search for Paul Kupferstein / Mr. David. I mean, seriously Charline, why is it that "Mr David" refused and became irate when I asked for validation? Honestly, wouldnt you become a little suspicious if that happened to you? Point is, if you want to get paid play by the rules. It really isnt that hard. Send validation. I am willing to pay any debts I owe as long as I see that the debt is valid. It really is not that hard.

Charline · Posted: Wed Jul 26, 2006 3:43 pm Subject:

You know what's funny, is that debt validation is sent all the time, whether it originates from the law office or from our clients (don't go there, I don't know why it didn't happen in these alleged cases), but the indebted consumers seldom if ever pay anyway.
Do you really forget about an unpaid matter that you actually require validation, or is this just a way to stall? I'm not trying to be a smart ass, I'm curious.

Posted: Wed Jul 26, 2006 4:41 pm Subject:

Charline,
Your comments, however valid you think they may be, are of no help to the people here.
Your statement, "indebted consumers seldom if ever pay anyway" is wrong, in my opinion.
Would you give someone money who's threatened you?
These collection tactics do more harm then good. Albeit, there are some out there that are more than willing to help. Those are the companies that I will work with to resolve my issues.
For someone to threaten arrest, harm, or other atrocities is in no way good business!
When someone asks for a validation of debt, your opinion may be a stall tactic, but those people who have experience with collection agencies are suspicious and have every right to be. What's the reason behind not validating? Why is it so hard just to send a breakdown of payments on a contract? Sounds to me that this person is willing to earnestly try to resolve the problem.
Believe it or not, there are legitimate reasons why some people can't pay..it's not that they WON'T, it's that they CAN'T.
I would rather work with a debt collector in finding the simplest way to pay off the debt without threats or warnings.
Don't you agree?

Elle · Posted: Wed Jul 26, 2006 5:10 pm Subject: Mr. David

Sorry for this long post. I am sitting here with my mouth open. I still can't believe I found this conversation thread.

I am in New York and am currently being threatened by Mr. David, as well. After beginning my son's adoption process, I found myself very tight financially and made the mistake of borrowing from 3 payday loan services to keep up with my bills and expenses. One of those was America's Cash Store (a.k.a My Trust Vault). When I began to experience difficulty in paying this loan back (which was collecting almost 50% interest every 2 weeks), I found out that this was not a valid company. It was a loan shark by the name of Mike Sipp a/k/a Mike Rogers. After trying numerous times to contact this guy on his cell phone and e-mail, he kept claiming that he "wasn't getting my calls or e-mails" and proceeded to garnish my salary for more than what he was actually owed.

This jerk was fired from his legitimate job in Renton, Washington for doing his loan sharking on the side from THEIR offices using THEIR phone and fax behind their back. After he is fired, he runs off to Canada. I recently got a new job and, in good faith, I call this idiot's cell trying to pay off the measly $187 that's left on my account. Again, I get messages from him on my answering machine pretending that he "hasn't heard from me in a while and is pursuing legal action." In comes Mr. David.

Mr. David is now claiming that he is collecting a debt on behalf of America's Cash, that they are a Canadian company, that he is suing me and is going to make me come to Court in Canada, that the fee owed is now $437 and, since I refuse to pay, they are going to sue me for $2,000 instead. I tried to explain to him that his client is a scam artist and I explained what I found out from his client's former employer.
Mr. David called me a liar, threatend to sue me for the $2,000 and hung up.

What he is ignoring is the fact that, before switching jobs, I worked at a law office. The law firm I worked for has record that an AMERICAN company was garnishing my wages, NOT a Canadian company. Plus, if he sues me for anything less than $6,000, it has to be heard in small claims AT THE COURT WHERE THE DEFENDANT RESIDES.

This guys is nuts. His client is nuts. The only reason I know about Mike Sipp/Mike Rogers' former employer is because he faxed stuff to MY employer and the company's name was on the fax header. I called there and spoke with his former supervisor. They've offered to help me with statements and affidavits, if necessary. They can't stand him.

Has anyone been successful in getting this Mr. David jerk off their backs, or does he continue to harrass people and make their lives miserable until you call an attorney?

Thanks for listening...

Good luck to everyone. ~Elle

Charline · Posted: Wed Jul 26, 2006 6:25 pm Subject:

America's Cash Store is a ligitimate company, a franchise of a much larger corporation. This 'jerk' loaned you money when you were in need. You didn't pay back your loan on time and interest was incurred. I know this file, as I spoke with Mr. Sipp today about it. I will send you your debt validation. I don't care who you worked for. However, If you do have a legal background you should know that you have committed a crime. You borrowed money on a contractual basis and you did not pay it back - in fact your wages had to be garnished.
Mr. David called you because you didn't pay this company back, instead of asking how to get him off your back, why not just pay back the money that you owe? If you have any further questions please do contact me.

Charline · Posted: Wed Jul 26, 2006 6:46 pm Subject:

erzeke1, you are not going to like my response to your post. You had an oportunity to work with the company before the file ended up either in our office or another recovery company. It is now our job to collect the money. It's not a nice business, but that is the way it goes. I totally understand that you don't like to be contacted by someone looking for money, I wouldn't like it either. Perhaps seek credit counselling assistance, but don't expect the person attempting to collect your debt to empathize with you.
Most companies do not want to have to resort to handing files over for collections, they would much rather work with their customers this way they stand a better chance of having this person return to do business again and they earn all of the money. When the customers won't work with them, say with payment plans, well then we call you - and we don't like payment plans - that option is no longer available. I'm not expecting any of you to like it, but debt doesn't just happen over night, failure to pay goes on for months, sometimes years before files make it to our office.
I highly recommend that you work with the companies that you owe money to before they have to resort to law offices or collection agencies. Nice time is over, this is our business. I hear the telephone conversations and harrassment does not occur, firm and direct is the tone.
All of the people here claim that they would pay back their debt, and that they just want someone to work with them - but the reality is that most of the people that are contacted become extremely abusive to the staff at our office even before much is said. I have several people tell me that they are going to come to the office and kill us all - I'm not a collector by the way. We've had all sorts of rude, absolutely vile language used by people just because we left a message on their machines. You guys have no idea what being harrassed means, come work in a debt recovery environment and you'll experience harrassment!
I'm not trying to be mean, I just want to be honest. If you have had a situation with the law office please contact me and I will do what I can to assist you.

Posted: Wed Jul 26, 2006 7:05 pm Subject:

Charline..
I appreciate your well developed post. But at this time I do not have a file with your office, never had one, nor do I expect to at any time. The problem here lies with the insinuation that all of us on this forum are "deadbeat" debtors, etc...
My bills are paid on time, and I am happy to say that I'm free and clear of any and all collections.
I'm strictly here to assist those who have no knowledge of debt collection and want to share my experiences.
I'm certain your job brings many challenges and you have dealt with unsavory characters.
I have to say that most jobs in dealing with the public have these risks. In my line of work, I've had knives pulled on me, I've been pinched, slapped, spit on and other bodily excretions at my disposal. Not to mention the insults and personal verbal attacks. You'd be surprised at what I do that exposes me to such carnage.
Still I can not intimate that all my other clients will act this way, that would be slanderous and I would be of no use to my company.
Perhaps there's other employment that does not expose you to these situations.

Elle · Posted: Wed Jul 26, 2006 8:01 pm Subject: Hi, Charline...or Mr. David...

You don't seem to understand - I TRIED many times to respond to Mr. Sipp and contact him via e-mail and cell phone (which was his only listed contact #). He kept calling me back as if he never got my messages. It became obvious to me that he was doing it on purpose thinking that if he played that game, he'd be able to sue me or garnish my wages on the grounds of non-responsiveness to his attempts. Regardless of who his small �business� is affiliated with, Mr. Sipp is a loan shark. And he IS a jerk. Excuse me for being blunt...but it's an honest assessment. There is no other way to describe someone who would put a person through all of this when they are actually TRYING to pay him back (but only what he is owed...not a penny more).

Like I said - this man was fired from his former "day-job" for using their phones and faxes to do illicit personal business behind their back. And when I tried to work something out with him, he kept pretending not to hear back from me and proceeded to try and get more money than what he is owed. This is how your client has done business. That's far from respectable�don't you think?

PLUS - AMERICAS CASH WAS AN AMERICAN COMPANY BASED OUT OF NEW CASTLE, WASHINGTON (Mr. Sipp's home) AND ALSO DOING BUSINESS FROM RENTON, WASHINGTON (Mr. Sipp's former �day job�). If you have any documentation stating otherwise, then I am afraid it has been falsified. Like I said, just contact the office manager at my former law firm. They can tell you it was an American company that was garnishing my wages and they can give you an accurate accounting of what I owed when I left the company. Don't trust your client's word � he's lying to you. Look into what he is telling you.

I would hate to think that you are helping this man KNOWING that he's dishonest. I have his former employer's information, as I am sure you have. Call them ... research it if you don't believe me. I just spoke with them again today. They are aware of what he is up to and can fill you in on the truth of the matter.

I don't know what else to say except that I'm also not a "dead beat." I am a single Mom of an adopted teenage son. I have spent thousands of dollars trying to help him through this huge transition and I put myself in a very bad financial situation as a result. But I was never out to steal from or defraud anyone. Although I don't have much, I AM settling with my creditors by paying them as much as I am able until I'm back on my feet. However, I will not give your client a penny over what he is owed.

Mr. David · Posted: Thu Jul 27, 2006 5:59 am Subject:

"I hear the telephone conversations and harrassment does not occur, firm and direct is the tone."

HAHA. Yeah -- good one Charline! Harrassment does not occur, huh? You're either an ignoramous or deaf. Go take a seat in Juan David's office today and listen to the way he handles the persons he calls. Text book definition of harrassment.

Posted: Thu Jul 27, 2006 6:31 am Subject:

Elle..this wage garnishment you posted about? Did you go to court and did they get a judgement against you?
If not, it is absolutely INVALID! No way can anyone garnishee your wages without a judgement, except the IRS of course!
Charline?
Can you shed some light on this since you know about this case?

Charline · Posted: Thu Jul 27, 2006 7:05 am Subject:

First, elle, if you would like to contact me at the law office I will assist you with your file. I will contact Mr. Sipp and request that he forward all validation of your alleged debt and we can go from there.
Second, erzeke1, elle's wages were not garnished by our office and yes I believe before any one can garnish wages you must first have a court order. Now the laws may very well differ from one State to another, but regardless of the specifics of the laws it's up to the court to make these decisions. The courts would also decide the total amount to be paid and the amount per pay to be garnished. If elle's wages were garnished without a court order I recommend she look into this.
and lastly, Mr. David. I don't know who you are, but unless you are the person on the other side of Mr. David's office and you are able to hear something that I don't - enough. I'm guessing that you are most likely the person that posted as me, and Norman with the note about the IP address attempting to somehow to link me to Jenna. You lie. I'm also very anxious to see if JJ has anything to say about your 'ignoramous' comment - he doesn't hesitate to pounce on my posts.

Posted: Thu Jul 27, 2006 7:36 am Subject:

There are specific laws regarding garnishee anyone's wages..as well as a maximum allowed. If her wages were garnishee'd without a court order then the crime was not committed by elle, but by the alleged law office.
I would appreciate any help you can give elle, as this seems to be a real hardship for her and any assistance you can give her in straightening out this confusion would be most appeciated.

Guest · Posted: Thu Jul 27, 2006 7:42 am Subject:

if you read elle post you would see that the garishee happened before the law office's involvement in her case. If you scan her post you will see it was by a MR. SIPP and a american company.

Posted: Thu Jul 27, 2006 7:44 am Subject:

Thank you guest..I was just about to edit my post when you replied.
This Mr. Sipp garnisheed her wages then enlisted the law offices to continue to demand payment, is that correct Charline?

Charline · Posted: Thu Jul 27, 2006 7:58 am Subject:

I do not have confirmation from Mr. Sipp about the specifics of this case. For confidential reasons I can no longer discuss this matter. Elle, if you would like to continue, please contact me and we will proceed. Should elle decide to update you on progress that will be at his/her discretion.

Intimidated · Posted: Thu Jul 27, 2006 8:03 am Subject:

erzeke1 and Charline,

You are correct, a company CANNOT garnish your wages unless a judgement has been made against you by an officer of the court (judge).

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

Internet's first get-out-of-debt community - 136,000 members

Paul Kupferstein - Mr. David - EBSI- 900 Number Dialers

Members Area

Free Debt Counseling

Ask the community

Also See

Featured Discussions

Featured Articles

Recent Forum Discussions

Recent Blog Post