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

Confused · Posted: Wed Aug 23, 2006 9:09 am Subject:

I never said what he said wasn't true. I said that time better spent would be on trying to convince people to contact the person they actually owed. Instead of looking up pictures and worrying about states. I'm not insulting this person. As for you GUEST1 you don't make any sense at all. Elle none of the comment were meant in a bad way. As for up the creek I'm glad you pay and research. GUEST1 you have no clue on how grade 3 you sound. Maybe you have nothing better to do with your time. But you seem to be logged on day and night. Maybe your a professional debtor. But I have read all of your posts and it feels like your in the play ground

Elle · Posted: Wed Aug 23, 2006 9:32 am Subject:

oy ... Up The Creek, I am not Guest 1, or anyone else. I'm just Elle. Something the webmaster here could easily prove with an IP search.

Look...I'm all for respecting other peoples' opinions. But there is NOTHING ... and I mean NOTHING ... that can justify what this Mike Sipp guy did to me, or the treatment that I and many others here have received from this "Mr. David." Reading posts that try to downplay or justify their actions is bound to get a bad reaction.

But, I guess, you already know that... Sad

Alot of what Jeff, erzeke1 (and others) have posted here with regard to paying off your debts, researching collection companies, getting debt validation, etc., has been very sound and helpful advice. I've read posts from them urging people here to just pay off their debts, if they really owe money. I don't remember seeing any posts from them encouraging people not to pay off valid debts.

People are going to fall on hard times ... that's just the way of things. This does NOT give creditors or collectors the right to verbally abuse these people or collect their money illegally. Don't you agree?

Intimidated · Posted: Wed Aug 23, 2006 9:40 am Subject:

I think we could do without the name calling and character attacks here.

We are all here for a reason and that is to converse with each other in hopes to finding a solution to common problems / situations.

Up the Creek, yes you are entitled to your own opinion as is everyone else here. This is an open forum site for everyone to use.

Confused, keep it clean, name calling and accusations don't benefit anyone.

Keep us posted Elle.

Guest1, I do agree with you on the fact that Jedijeff13's postings here are a value to have - keep up the great work jedijeff!

Posted: Wed Aug 23, 2006 10:31 am Subject:

And once again, I have to do ALL the work because someone doesn't want to pay attention:

Confused - have you READ this thread? Tell you what - go back to page 33 and tell me where I said to ignore your debt. Do you see it on that page? No. And why - cuz if you have a LEGITIMATE debt, you should pay it. I have said that time and time again. If you we provided cash or a service, and the service costs money, it is your obligation to make good on that debt. Under no right should you ignore or try and get out of an honest debt you owe. How the hell it appears that I am telling people to ignore their debt is beyond me. Don't put words in my mouth I have never said in some attempt to discredit me.

Now - if you are willing to pay attention, for the BILLIONTH time, I will express the reason I have an issue with this company:

Paul Kupferstein and Liability Solutions has a history of attempting to collect on fraudulent debt. That is - the debt they are calling about was originally created illegally. This same debt was written off in good faith because of the circumstances of how the debt was charged. Kupferstein comes along, buys up this old debt, and though illegal, criminal tactics including threats or jail and legal actions, scares people into sending "payment" for these debts, without a single peice of documentation showing the debt is current, without showing the amount of the debt, and without showing the creditors name.

For the record, Mr. David called me about a $2500 debt that was owed. Would not provide proof, creditor name - nothing. I did my own research. Determined the TRUE debt amount (about $300) and also determined it wa a writeoff because it was fraudulent debt. Now, you tell me how a $300 becomes $2500 with fees ($2200 in fees????). And also tell me why I wasn't told who the creditor was? Maybe cuz when I found out the name I would have known the calls and threats were total BS?

And since I am really not in the mood to go through it all, see the top of page 15 for my issues with the illegal collection activities, and the middle of page 17 for the Canadian collection laws violated. And my post on page 33 goes into issues that have been reported by television stations and attorney generals is regard to the criminal actions by Mr. David, who is an "employee" of Mr Kupferstein's and Liability Solutions. Want the links again:

http://www.click2houston.com/news/5428045/detail.html
http://www.grandrapids.bbb.org/AlertDetled85.html?ID=201
http://www.state.mn.us/mn/externalDocs/Commerce/Collection_Agency_Acti ons_061005010742_EnfAct-CA01-02thru0505.htm
(5th from the bottom)

Now - that's what I have to say, Confused. You can agree with me, you can tell me I am full of sh*t - I don't care. But you can give me the courtesy to show that you read this.

confused · Posted: Wed Aug 23, 2006 10:44 am Subject:

Point taken. Now my point was that it shouldn't matter where you live whether Flordia or Ohio. If you have a debt pay it. It doesn't matter whether they work out of a yellow building or a green one. Yes alot of what you said is very helpful. But other people only pop in here to throw child like tactics into the fold. My main point is for people to use there own heads they can listen take advice from people who are not just bashing and then proceed to find and pay there debt. I am sorry if I insulted you. Not my intent.

Posted: Wed Aug 23, 2006 10:45 am Subject:

Oh - and one more thing that I have said a billion times:

If I was TOLD who the creditor was, I would have called them. The fact is when I asked the name, I was threatened with jail and then rudely hung up on. It took me two weeks of checking my credit report and going through old files to determine the creditor's name and contact them.

Now, had I gotten written debt verification when I asked, it would have been simpler.

Intimidated · Posted: Wed Aug 23, 2006 10:46 am Subject:

Once again, cudos to another intelligent / thought through response from Jedijeff13! Well done!

Posted: Wed Aug 23, 2006 11:01 am Subject:

Thanks Confused. Now, am I acting childish posting pics and stuff - maybe. But I have gotten not a single response from this company, and I want to show the world this company's activities. The more I can show they are a fly by night company, the more the proof I find on the net has validation. And the facts have shown their activities border on the wrong side of the law. They are not registered to collect debt in Texas, but they try. They are not registered to collect debt in Illinois, but they try.

Why?

Why won't they tell us the reason they are not registered?

So, let me say it clearly so there is NO doubt ever again: if you have been contacted by a collection agency and are unclear as to the debt there are attempting to collect, ask for verification. By law, they are required to provide this. And when you receive the verification, pay off your debt promptly. Do not ignore this verified debt.

However, do not be a part of a scam. If you do not receive debt verification, do some research into the debt as best you can. But do not send any money. They cannot take you to court unless they have provided you with debt verification documentation.

Janet · Posted: Thu Aug 24, 2006 6:32 am Subject:

Just to set the record straight one more time. We do not buy debt. We do not do 900 collections. We will give debt verification. If you have questions in regards to the company that you owe contact them.

Elle I will hopefully have soome answers today. I will not be back in the office for about 4 hours. I will also state once again that I am not a lawyer nor do I pretend to be. I can answer question in regards to what I know. I will not give names over the computer. I will not discuss what my company does or doesn't do. If you would like help with your debt I will gladly help as I am trying to do with Elle. I will not answer ignorant comments or rude remarks by certain people. Jedijeff I cannot comment on how you were treated as I was not witness to this. But as I have said before if it really concerns you that you are this upset then call me. I will find out about the debt you are talking about. But I will not comment on previous stuff. I will try to help whoever I can. But as for the s**t I will not I do not come on to this site and pretend I am someone else as some people do I do not use other name as I have been accused of doing. Ohter people might enjoy playing their little games. But I am to old for this. I do not try to cause problems I try to help to the best of my knowledge. So no I will not answer sarcastic comments or insults. There are alot of good people on this site. But there are alot of not so good to. As I will state once again. Everybody makes mistakes but good people try to fix. Not everybody is good. once again if the people who have debt want to phone and ask questions then please call 905-474-3535. I will do my best. If you are calling just to bash me don't bother.

trobitaille · Posted: Thu Aug 24, 2006 8:53 am Subject: Paul Kupferstein

I've read several threads regarding the 900# scam, etc, etc, etc. Recently I have unfortunately had some dealings with this "Law Office" in the form of Mr.Sargeant contacting my father, A third party, and advising him he needed to speak to myself regarding a 'legal matter', made references to me being 'sued'and when my father refused to supply him with my phone number until he told him the exact nature of the call, Mr.Sargeant adv him that he would "tell the Judge he was being uncooperative". my problem is that I have received no validation letter, he is calling a third party disclosing the existence of a debt and a legal matter, and threatening to include my father in the proceedings for being unco-operative. Of course when I called Mr.Sargent, he categorically denied ever saying this, he actually confirmed my current address with what he had on file and could not provide me with a viable reason why he decided to call my 'references' before sending me a letter.....I also contacted the law society of upper canada and learned some very interesting things about Mr.Kupferstein, specifically a disciplinary action taken against him by the law society in may 2006 for unlawful collection practices in sending out legal letter heads with the wrong addresses, and also in that vein, I had received 3 different addresses from 3 different sources, my dad, Mr.Sargent and The Law Society. According to the latter he is only supposed to be operating from 1 address: 16 Esna Park Dr, #101 in Markham ON.
Is there any action I can take regarding the 3rd party disclosure and the harassing and aggressive call to my father WITHOUT a validation letter being sent first?, any advice would be helpful, the apparent reason for Sargeants call is a payday loan from approx 11 months ago with National Money Mart, thanks.

Posted: Thu Aug 24, 2006 9:48 am Subject:

My opinion, as I am not a lawyer and make no claim to be one: contact your state's attorney and file a complaint.

Out of curiosity, have you received your debt validation letter yet?

Janet - trobitaille brings up an interesting angle that I feel you should be able to answer. Just what is the address for your company? Why does the address at the Liability Solutions website differ from the 16 Esna Park Drive address?

I'll be waiting for you to ignore my questions.

Janet · Posted: Thu Aug 24, 2006 12:22 pm Subject:

Mr Kupferstein has more than one office. He has a few.
Trobitaille
Mr. Sargeant would have told your father that it was in regards to a pending law suit. He would not have gone into details in regards to your debt. I would have tried contacting you regards to your debt numerious time before calling your references. If you did not want your father to notified you should not have used him as a reference. As for not notifing you money mart would have send you a bunch of letters and phone calls prior to hand the debt to our company. So I think you would have had ample time to respond. Like you stated 11 months. As for the law society the case was dismissed.

Janet · Posted: Thu Aug 24, 2006 12:56 pm Subject:

jedijeff I have answered all you question to the best of my knowledge except for those I cannot answered which I have told you. You on the other hand choose to ignore my questions in regards to your debt and you refuse to call. I have not been rude or ignorant to you so why take out your anger on me.

Elle · Posted: Fri Aug 25, 2006 7:28 am Subject: Janet

Janet:

Still no word...

Please contact me at your earliest convenience. You have my cell, home and office numbers. Cell is probably best.

I know you're busy, but I'm anxious to end this (and get it in writing, as well). How I proceed with this issue depends on whatever information you have to give me.

Thanks again for your help!

Posted: Fri Aug 25, 2006 9:22 am Subject:

Elle...stay on top of it! Keep calling and demand answers, in the meantime, I would definately seek some legal advice!
Jeff...hon, I'm sorry, but I don't think you're going to get the answers your looking for here. I believe Janet, Charlene, et al...are not the people you will get a positive response from. They don't appear to know much about the legalities of collecting in the US.
This company, or law office, or whatever they call themselves don't seem to be as legit as they claim. For them to come on this board and attempt to defend their employer is evidence of this.
If they are indeed trying to assist those who have been wronged, they would remain silent and steer their attention to the business at hand.
They are wasting our precious time and the time of the poor clients who need their undivided attention at this time....
In my opinion, this thread has been worn down to a thread!

Janet · Posted: Fri Aug 25, 2006 11:19 am Subject:

Elle I am still waiting for the gentleman in question to fax me some papers. So far he has just emailed me saying that he will settle for X number of dollars. I'm not happy with this answer so I have once again placed a call to him. I will call you on Monday. And discuss what he has said in his email with you personally.
Erzeke1
I have answered all questions that has been ask of me. The only questions I could not answer where legal ones. But here is your answer we are licensed in all states. So yes the company is legit. I have been honest and sincere since I've been on here I am not doing damage controll as yoou put it. Do you really think I care what you think. I am here to help people. And why in the .... would I remain silent if I wanted to help. Maybe you should remain silent if all you want to do is confuse the issue's and stir the pot. My time spent on this site is my own personal time on my breaks my lunch or at my home. So it my time to waste please don't concern yourself with my time. I know that people will jump right on this saying oh poor erzeke1 is only trying to help. Well go ahead but I will help Elle and anyone else that would like the help. If you don't want help then don't ask question or insult me.

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