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Janet · Posted: Tue Aug 15, 2006 7:51 am Subject:

My reasoning for asking for docs from elle were that she said that she had made payments. Which I have no proof of. I have the orginial debt owed. If she has proof then I will fight for her against the company that says she still owes.
Guest1
If I borrowed money and new this to be true yes I would pay my debt. These's company normally sent out three letter to the debtors if there are no responses then they send them for collections. Most debtor know that they owe a company money. You might like to pretend that you don't owe money to buy yourself some time. At least the companys that I work with do this. I have no clue in regards to 900 company which people are asking questions about. But other companys that you take a loan out from I think you know what you owe when you get the call. It would save a lot of time and bullshit if the bill was paid in the first place but in some cases as in elles things happen so I am trying to help her. So please do not insult me.

janet · Posted: Tue Aug 15, 2006 8:00 am Subject:

In elle's case I am trying to help her not pay more than she owes. I am no an ass or a mean person if she has paid her debt I will close her file and speak to the man that is calling her. Elle knows that she owed this debt as she signed for it. I would not be able to give her the information if she didn't. I can tell her all her info over the phone. I can sent her copies of what she already has. But that isn't what I'm trying to help with that she has already money which is not showing in my database.

Guest1 · Posted: Tue Aug 15, 2006 8:02 am Subject:

You never answered the question - would you not ask for proof (validation) either way if someone asked you to send them money - ESPECIALLY when YOU are not the intial person they may have dealt with?

Despite what you may think, the question is rather valid.

Posted: Tue Aug 15, 2006 8:40 am Subject:

Ok janet..
If she has admitted to the debt, then this conversation appears to be over.
Also, I'm hoping your statements that "most debtors know they owe a company money" and "pretend that you don't owe money" are not generalizations of all in this community.
I appreciate your help with Elle, but please refrain from vulgar language. This doesn't help your credibility on this forum.
Thanks.

Intimidated · Posted: Tue Aug 15, 2006 8:52 am Subject:

Well said erzeke1!!

P.S. Awesome picture and verse!

Elle · Posted: Tue Aug 15, 2006 11:20 am Subject:

Hi, all. Crazy day here.

Sneaking on for a sec during break. Inhaling a sandwich. Boss is in the office all day today - not happy. Janet - pls. don't be mad if you get my fax late today or tomorrow morning. Not evading. Just don't want my boss looking over my shoulder while I go through my papers and fax them from his machine. lol

'Zeke - I do admit that I owe their client something. Just not the amount he's trying to get. That's what the dispute is. Smile

Gotta run. This place sucks today. Sad

Guest · Posted: Tue Aug 15, 2006 12:37 pm Subject:

Then why not pay the "client" directly to avoid having to deal with them and the incorrect amount they are requesting from you.

Wouldn't that be easy and I am positive you would have no problem doing it. The company won't care how they get it as long as they get it and this firm won't make a cent off of it.

Posted: Tue Aug 15, 2006 12:48 pm Subject:

Guest..
I believe her situation is a bit more complicated. They have some of her money already so it's a bit late to dispute.

Janet · Posted: Tue Aug 15, 2006 2:10 pm Subject:

ereke1 sorry for the one bad word I guess i could have just said bull. But when people start being ignorant about me when they know nothing at all and all I'm trying to do is help. Elle sitution is different.
Elle whenever its possible for you to send the info is fine. I'm not trying to hurry you. Its just some people on here are alittle rude and I just responded to the situation.
Erzekel when I say most people I mean the people that I deal with with loans. They know they took them out so why not pay why pretend. I can't speak for you all like 900 or other companys that I know nothing about. but most people we deal with here know that they owe the money

Posted: Wed Aug 16, 2006 9:20 am Subject:

I don't want to beat a dead horse, but I will. And Janet, I am not attacking you and your work ethic. Am I attacking your company - yes. The fact is, though, that nothing was done properly.

When you request debt validation, one should receive it. One should NOT receive threats of jail and curse words. Janet - you did not do that to me. But someone in your company did. I know you don't know my file - please don't respond by saying that. My simple fact is that there is a lot of evidence, from people posting here and from other television station watch reporters that state Mr. Kupferstein engages in illegal activities.

I will agree with one statement from you, Janet. If you owe money - PAY IT! However, make sure you are not being ripped off with ridiculous fees. But do not shy away and hide. Are PDL bullsh*t? Oh yeah - a total scam. I feel bad for people that get sucked into them. But get out of them fast, and pay them what you owe.

Now Janet - since I have your attention, could you please answer one question:

Can you or someone in your company provide proof that Mr. Kupferstein, Mr. David and/or Liability Solutions is registered to collect debt in the United States?

Intimidated · Posted: Wed Aug 16, 2006 9:34 am Subject:

Dido!

I hate to say this, but I've seen how many times you have requested questions to this so called firm over and over again with ofcourse it resulting in you not getting your answers and them consistently avoiding your questions.

Let us see if Janet rises to the test and answers EVERYTHING in your previous post. I am trying to be optimistic with regards to them actually stepping up to the plate once and for all and stop avoiding Jedijeff's questions.

Elle · Posted: Thu Aug 17, 2006 10:54 am Subject:

Well, gang - I faxed what I had so-far to Janet yesterday. We'll see what transpires. She did call me last night and leave a message to let me know that she's following up.

The truth is, it really doesn't seem as if they were given all the documentation concerning my debt. I am still waiting on MY old firm's copy of the wage assignment, which I will then send to Janet. I just spoke to my ex-supervisor today � she's been really busy but promised to look for the document and get it to me as soon as possible.

Yesterday, I faxed Kupferstein's office copies of my pay stubs evidencing $450.00 of garnishment payments and a Western Union receipt evidencing another $225.00 that I sent this guy just before the garnishment started. That's a total of $675.00 paid back on a $500.00 debt. But he wants more. Apparently their client says that, in addition to fees and interest, I had NSFs. After the 1st time his payment was stopped, I told him the account had been closed, so there was only one NSF that I can remember. That was when the guy asked me to Western Union the money in. The only thing I can think of is that he continued to debit my account even after I warned him that it was closed. (???)

This whole thing is crazy. I have no idea what he thinks he can possibly gain. I've already paid him back more than I borrowed.

By the way - I feel the same way too about Kupferstein's office after having dealt with Mr. David and his antics. But I've personally talked to Janet on the phone a few times and she's been really, really nice. I know my issue with them and their client hasn't been resolved yet. But I believe Janet is sincerely TRYING. Honestly, calling the firm and asking for her � and speaking to her personally � is probably the best way to get direct answers to your questions. I can't speak for any other members of that firm, but I get the impression that Janet's a good egg. Please don't be mad at me for saying this. K?

I'll keep you guys posted as I get more info. Thanks for listening to my rants. lol

Posted: Thu Aug 17, 2006 12:41 pm Subject:

Thanks Elle...hopefully Janet can help you work out this mess.
The one thing that really angers me though, is that they went ahead a garnished your wages! Did your employer notify you in writing about this? Did they give you a chance to revoke it? I smell a lawsuit!

As far as the "law offices of Kupferstein" , Shame on You!!!
You did not have a complete file? Then went ahead and harrassed this woman anyway!!!????? I don't think I have enough bad words in my vocabulary to describe how I feel about this!

Elle, you should be up for sainthood my friend!

I think this is a lesson we've all learned about being in collections!!
ALWAYS, ALWAYS get everything in writing about your debt!!!!

Posted: Thu Aug 17, 2006 1:28 pm Subject:

Ya know....one would think that if Elle EVER received debt verification, she might have been able to tell that they did not have the complete file. Forgive me if I am not surpised.

Also forgive me for not being surprised my question has been completely ignored again.

Elle · Posted: Thu Aug 17, 2006 5:15 pm Subject:

Hey, gang. Back to vent. Sad

I finally got the garnishment paperwork from my old job. Get this:

When I enrolled with America's Cash back in November 2005, I apparently HAD signed a "Wage Assignment" for my initial loan with them (although I honestly don't remember ever signing it). That loan was successfully paid in full and closed! I NEVER SIGNED ANOTHER WAGE ASSIGNMENT FOR THE LOAN IN QUESTION - WHICH WAS TAKEN IN FEB./MARCH 2006. So what this guy did was fax my job the OLD wage assignment, claiming that the loan I have with him now IS STILL THE SAME LOAN! Could you believe that? So my job didn't even question it. I never actually saw the wage assignment back when my salary was garnished, so I didn't realize it was pertaining to AN OLD LOAN AND WAS NOT VALID!

I've been stewing about this since I got the paperwork today. I've forwarded this to Janet, also.

'Zeke - I actually explained to Janet about the treatment I received from Mr. David. I'm still livid about the way he spoke to me. He really needs to be reprimanded and held accountable for the way he treats people and how he violates their rights. It sucks.

I gotta say, though, that my recent experience has shown me that there are decent people working at some of these agencies/law firms. The catch is managing to get them on the phone to explain your side of the story! Sad

oy...I'm gonna go watch some TV with my son. Take my mind off this stuff for a while. lol

Posted: Thu Aug 17, 2006 7:14 pm Subject:

This is definately grounds for a sweet lawsuit Elle!...Can you say "extortion"!!!
This really stinks! I wonder what the media would make of this?

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