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Elle · Posted: Thu Jul 27, 2006 9:40 am Subject:

Thanks folks. Smile

Charline - I have tried calling your office and have shared all of this information with Mr. David, who then accused me of lying and hung up on me after threatening to sue for $2,000. How can he accuse me of lying when the information I gave him is so easy to verify? And why should calling your office turn out any differently now? I am done with the calls. I will correspond with you only in writing at this time�but thank you for offering to help. Feel free to write if your client wishes to rectify this situation. I really did try to settle this for only the balance owed�but your client just wants (or needs?) more money for some reason.

Ezerke - that is correct. Apparently, Mr. Sipp sent something official-looking to my office in order to start the garnishment - but I need to further investigate because as far as I know, no Court conference was ever held regarding this matter. If it was, I was never notified or offered the chance to attend. So - the papers that were given to my former employer may have been bogus. In which case *I* would have grounds for a lawsuit. And, yes - he is now proceeding with legal action to collect what really should be no more than a $180-190 balance. According to Mr. David, the balance has now grown to approx. $430 and, if I don't comply immediately, it may go up to $2,000.

But�like I said, I need to have the garnishment documents in my possession examined before confirming whether or not they were truly valid. Could be the elusive Mr. Sipp found some sort of legal loophole and went with it. This is nuts�it still boggles my mind how easily people can take advantage of someone in hardship�and have absolutely no conscience about it at all.

Posted: Thu Jul 27, 2006 9:45 am Subject:

No matter what Elle, unless he has a court order in his hot little hands given to your employer..no one should be taking money from your paycheck! If they do, then I would contact the IRS, and the Attorney General's office in your state immediately, as well as your personal attorney! There's a ton of lawyers who would eat this up!
Hopefully this firm lender didn't do this, then he's in a heap of big trouble!
Apparently this Mr.Sipp is playing some games here, however your move to accept correspondence in writing is a smart one!
If this was an online payday lender, then lets see if they are licensed in your state, and should they try to sue, then they must come to you. I doubt that they will if they are not legit!
As for this collection firm...I have some doubts about this also, but let's give them the benefit of the doubt here and see if they comply with your requests in a reasonable amount of time. If not, as I told you in our private conversation, speak with your lawyer.
Remember you have rights under fdcpa!!!!!

Elle · Posted: Thu Jul 27, 2006 10:02 am Subject:

OK�the plot thickens.

After getting some help with my research, I discover that the �larger entity� that Mr. Sipp's company is franchised/affiliated with is a company called �Cash Now.� Though Mr. Sipp's �America's Cash Store� was being run out of Washington State, his �parent company� (Cash Now) has a �Head Canadian Office� in Toronto, Ontario.

Long story short, I log onto BBB to follow up on the complaint I filed against Kupferstein's office and the following names are listed as Kupferstein's �DBA� aliases:

Additional DBA Names:
Brian Belmont LLB
Paul Kupferstein Barrister & Solicitor
International Billing and Recovery Services Inc
Liability Solutions Inc
Cash Now Capital

See anything familiar? Sad

What the heck is going on here?

Posted: Thu Jul 27, 2006 10:09 am Subject:

If you obtained this loan at the America's Cash Store in Washington state, they have specific laws regarding pdls.
Check out their website:
http://www.dfi.wa.gov/consumers/paydaywp.htm

Elle,
I would contact them and let them know what's going on. If they are licensed there they may have violated several laws. Also contact their Financial Crimes Division at the Prof. Regulation Offices locally. Someone will talk with you and help!

Posted: Thu Jul 27, 2006 10:11 am Subject:

Also, these places always have several aliases in and out of this country. This how they get around state laws.
They must abide by the law of the state YOU ARE IN!!!!

Roberto · Posted: Thu Jul 27, 2006 2:54 pm Subject:

Elle, that is very interesting what you found ... so Paul Kupferstein is DBA Cash Now Capital? And Mr. Sipp's company is a subsidiary of Cash Now?? Something very very very fishy! Nice work.

Charline · Posted: Thu Jul 27, 2006 4:35 pm Subject:

You guys are too much! It's amazing how you pull information together and somehow you manage to link it into a chain. Actually, it's kind of funny to read some of these posts - I'm trying to figure out how you put 2 + 2 together and somehow you got 5?
If I'm not mistaken more than one of you actually said that you are or had been employed by a law office - exactly what type of law?
Forgive me, but these past few posts display a hugh lack of smarts (?) for lack of a better word.

Charline · Posted: Thu Jul 27, 2006 4:49 pm Subject:

The BBB is somewhat of a joke. The law office does not do business as Cash Now Capital. Lord, they must get their information from the same place many of you do. I will contact the BBB and sort them out. God help us all!

Mr. David · Posted: Thu Jul 27, 2006 4:52 pm Subject:

Charline, can I ask you why you feel the need to keep on responding/posting in this forum? If the company you work for is totally legit and by the book, etc., why is it that you keep on coming back and defending its practices??

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

because there are people like you that lie.

Posted: Thu Jul 27, 2006 7:43 pm Subject:

Charline,
Sure would appreciate some truth for someone in the biz!
Think you can handle it?

Mr. David · Posted: Thu Jul 27, 2006 7:43 pm Subject:

What have I lied about Charline?

Jaimie · Posted: Thu Jul 27, 2006 8:50 pm Subject: Paul Kuferstein

A man by the name of "Mr. Shaw" called me from this law office at work this evening, and told me i have an outstanding balance of $287 dollars i couldnt understand the company name he said because everytime i asked him to repeat himself he mumbled, i know i have a payday loan, infact i have two and right now, they are upto date, and neither one of them is in that ammount at first i thought he was serious then i thought, well why wouldnt they go through collections first, and why would i have to send the lawyer office money? he has also threatened to serve me papers if it isnt paid by tomorrow at 12, but first it was today and five then all of a sudden it was tomorrow at 10..Put me in jail? then i wont have a job and no one would get money:) I also know i HAD a outstanding debt with another payday loan company, BUT their legal department took it out of my account without my knowing it upset me, but i owed them money and they had the right to take it because i was irresponsible, this "Mr. shaw" had me very upset at work today because i didnt know what in the hell was going on, but after googling "Paul Kuferstein" and reading about all these ppl who "owe" money i said F**K this guy i dont think so!

Jaimie · Posted: Thu Jul 27, 2006 9:05 pm Subject: Paul Kuferstein

Thanks to good ole google.com i found this fourm and my money, is MY money and i work damn hard for it tomorrow morning when i wake up i am calling the RCMP phonebusters and all the other numbers you guys have posted, this guy is not getting my money and i WILL do anything that i can to exploit him, this is wrong, he was being cocky with my boss, who almost fired me because of him

Jaimie · Posted: Thu Jul 27, 2006 10:09 pm Subject:

ha ha i didnt mean to put that up a buncha of times but it said it wasnt working sorry guys

Posted: Fri Jul 28, 2006 12:49 am Subject: re

Do you see the pattern here?

Someone borrows $300. They payback $500 and have to default owing say $180. Collections calls and wants $430 and then thretens to sue for $2000.

$300 in minus $500 minus the $430 thats $930 paid back on a $300 loan. Why can't you guys just leave it at $500 and accept $200 profit?

There was one thread on here where a PDL actually took a guy to court and the judge ordered the PDL to pay him for the excessive fees that he had already paid.

We work withing laws in this country. There are maximum amounts that you are allowed to charge and you cannot charge anymore than that. Thats why these cases do not go to court.

I can type up anything I want and call it a legal document. I can type up something authorizing someone to rob a bank. Does that make it legal?

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