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

Posted: Tue Aug 08, 2006 7:38 am Subject:

That may be correct. However, there are many things I have issues with in regard to this company. Granted - Janet and Charline cannot speak for them, and it's ok. The fact....FACT...is that Mr. David uses illegal tactics to try and receive a payment on a fraudulent debt. They have done it in the past, and I am not sure if they have stopped doing it. They are also not registered to be a debt collector in my state, and I am sure they are not registered in other US states either. It is a shame that they have secured money using such heavy-handed, criminal actions.

If you have proof, send it. If you don't, your threats tell the story. It's been 6 months since I have called Mr. David's bluff. 6 months. Not a peep from him. $2000 in 24 hours or I will sue you? Yeah, right. I am still waiting. They live just barely under the law. If only more people would report the actions, we can put him out of business forever.

Do they get retained for real debt? I am sure they do. But I also believe they do what they can to fill their pockets. And if they can buy up written off debt pennies on the dollar and collect outragious fees on a few, they make money.

Mr. David · Posted: Wed Aug 09, 2006 4:36 pm Subject:

Point is that this company does not go by the books ... laws are enacted and put into use for good reason -- not just for some bullshit reason. Indeed, I refuse to deal with a company that intentionally fails to abide by the rules/laws.

Guest · Posted: Thu Aug 10, 2006 4:10 am Subject:

Bullshit...indeed Mr. David

LarryK · Posted: Sat Aug 12, 2006 1:33 am Subject:

Elle -- any word? What happened? Did they send you verification?

Janet · Posted: Mon Aug 14, 2006 7:35 am Subject:

Elle I am still waiting for the information that you were going to fax to me. It's now been a week

Elle · Posted: Mon Aug 14, 2006 8:25 am Subject:

Janet:

I apologize for the delay. I've been out of commission this past week. I was just going to call your office, but thought I'd check the Board first.

Last week, I placed a call to my former employer because I wanted them to fax me the contents of their file re: garnishment so I could forward it to you. The person who could do that for me was on vacation at the time. I have not received their papers yet. I will follow up with them and, if I have to send you their stuff under separate cover, I will.

I just got caught up with waiting for those docs and other stuff here at home, and I let the days pass. I apologize. Sad

At the very least, you will have my papers by tomorrow, even if I have to fax you my employer's docs separately.

Thanks for your patience...I appreciate it. Smile

Elle · Posted: Mon Aug 14, 2006 9:37 am Subject:

LarryK:

Hi, Larry! No...I never received anything in writing from Kupferstein's office. Not a letter, nor debt validation nor summons. Nothing. Just the calls from Mr. David.

I am now dealing with Janet, who has offered to help me in getting to the bottom of what I really owe. She has requested that I fax her the documents in my possession showing the balance of my account. I was supposed to fax those last week, but was waiting to get a response from my former employer. A week has passed though - and they have not faxed me what I needed. So, I will fax my docs to Janet tomorrow and send her my employer's docs whenever I get them.

I'll keep you guys posted on the progress of my file. Thanks!

Posted: Mon Aug 14, 2006 9:46 am Subject:

What I don't understand here is why they require you, Elle, to fax them documents first?????

What will they prove? Unless you get a debt validation from them first, then you can go on to dispute this...if you dispute it, then I believe they will forward it back to the original debtor.

Janet...Can you elaborate on this a little?

Guest1 · Posted: Mon Aug 14, 2006 11:17 am Subject:

You would think if a company is hired to collect a debt that they would have the exact same documents as the company hiring them - seem clear cut to me. Otherwise, how can they collect, if they don't have the information. I guess this would be why everyone they have called to try and collect from won't pay them because they try to collect some absurb WRONG amount and won't provide validation when requested to prove such.

This is how they have operated all along. Then they get mad when someone requests validation.

Would you Janet / Charline pay someone money without getting validation first?! Think about it.

Posted: Mon Aug 14, 2006 11:23 am Subject:

I'm with zeke: what proof has been sent to Elle verifying that you have been retained by this company to collect the debt. It almost sounds like Elle is just going to send in proof of her debt which will then be turned around to look official and be sent back to her.

Janet - why are you unable to send proof that you have been retained by this company to collect a debt from Elle?

And I don't want to tell you what to do, Elle, but in my opinion, you have talked to Janet and given her enough information that she can pull your file and send you proof of your debt. If you have to fax them proof of what you owe, something smells fishy.

Posted: Mon Aug 14, 2006 11:26 am Subject:

Yup...
This makes no sense at all. I'm a little suspicious of this and can't understand for the life of me why this simple request is extended to 40 pages on this forum! lol
Oh well...we'll press on for answers though!

Intimidated · Posted: Mon Aug 14, 2006 12:18 pm Subject:

I totally agree with Jedijeff13 and erzeke1.

The company collecting should be the ones sending verification. I am with Jedijeff13 - I don't think you should send them anything at all.

Perfect and dead on comment erzeke1 - the entire forum could have been lesser in pages if Paul Kuperstein, etc. just did what they are suppose to - send validation. Instead, they keep turning the tables and changing the topics - reverse pyscology may work on some but not the people here.

Posted: Mon Aug 14, 2006 12:21 pm Subject:

A lawyer I know that I consult with on these subjects just emailed me, "Payday lenders and their collectors will lie up one side and down the other to get you to shutup and payup!"
Just a thought for the day folks!

Guest · Posted: Mon Aug 14, 2006 7:44 pm Subject:

Hmmm, this is getting interesting, looks kinda like the DA is asking the defendent to show evidence that he committed the crime, instead of the DA having the proof in hand.

Elle · Posted: Tue Aug 15, 2006 4:49 am Subject:

Well...although I see everyone's point (and you guys are right...this doesn't seem fair), part of the documents that I have to send are official ADP paystubs showing garnishment payments and a copy of the notice my firm was sent. These are things that they can't change or tamper with because (a) it would be a federal crime and (b) it would be realy stupid since these are documents that OTHER people besides myself have seen and/or prepared and can testify as to their authenticity.

In all honesty, I didn't get the impression from Janet that she's at all like Mr. David...I don't think she's out to mess with me. So I'm giving her the benefit of the doubt. Hopefully, we can come to some agreement.

I'll let you guys know what happens...

Intimidated · Posted: Tue Aug 15, 2006 5:48 am Subject:

Guset, I believe someone had said in a posting on a previous page, "would you pay money to someone who cannot prove you owe them". Prove it and I am sure people will pay what they owe. Conduct your business professionally and by law.

Common sense Guest! Think thoroughly before you post!

*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