Payday loan - what to do?

Hey isn't that the same line that Bass uses on their marks????? And now they're victims, HA HA HA!!!!!

Want to know where it went, guest? I deleted it.

Don't like it? Tough sh*t. If you are not going to have an intelligent debate, you will have no voice. End of story. Got a problem, PM me.

Interesting how a scamming company (which it is - like it or not guest) can conjure up at $3,000.00 debt which you have to pay through Fedex within 24 hours or you will go to jail NONETHELESS when you ask them to prove that you even have the debt, they tell you they will see you in court and hang up on you AFTER verbally harrassing you on the phone.

Scare tactics don't work with me! Bring it on!

P.S. Grow up Guest and get a life - legit one that is as I would take a shot in the dark and say you are one of the con artists that work for this boggus company!

P.S. Just a funny comment in response to the Frontline stuff - REVOLUTION for dogs is better!

Just a little tidbit for you all!

Hey, if you owe the money just pay it back. If you didn't scam the company in the first place no one would have contacted you about anything. AH HA, I don't know your situation, but if you didn't owe money, why were you contacted?
No sweat off my back - you didn't scam me.

Guest, hmmmmm. Here it is........These people already PAID BACK THE DEBT! Pay attention to what is going on around here, please, before you make a comment or judge. These people PAID THE DEBT AND THEN SOME, and these folks ARE UNDER INVESTIGATION BY THE GOVERNMENT FOR ILLEGAL PRACTICES. So yes, they are victims as they were the prey of these scumbags illegal practices, being that they were illegal practices, makes it criminal, making anyone they harassed illegally a VICTIM.

OMG! You guys are all nuts. No debts haven't been paid back. Stop trying to glorify this situation. "under invetigation by the Government for illegal practices" PLEASE!!!
Don't believe everything you read, especially on this forum. I'm paying very close attention - trust me. (or not - don't care!)
The only scumbags are the ones claiming to have been contacted for nothing, when they know full well why they were contacted. There's no point here, very frustrated with all this rediculousness!!
Things aren't always as they seem. Laughable - almost..

Yes you are correct, things aren't always what they seem because you "seem" to think you know what you are talking about when clearly you don't.

Preach all you like, what we type does and is happening to this day at this boggus company. Believe it or not and say whatever you like - IT IS true and I really don't care whether you agree or not considering you are the only one defending the company you work for AND I DO believe you work for them especially with the comment about how "no debts haven't been paid back"? How on earth would you know this if you don't work there? Give it up scammer - Oops I mean "Guest".

AND futhermore, do pay close attention and maybe you'll realize that what we say is the truth and what you try to convince yourself of isn't - END OF STORY!

Please move along and get a life!

Somebody must have been laid off from their CA job at this company and is angry they no longer have employment where they can harass people. So they figure they will come here and do it. LOL. Should've had a dictionary present when writing, yes, I am THE SPELL CHECKER! Ridiculous is not spelled with a "Re", that is what I find ridiculous people who pretrent to have an ounce of intelligence and can not even spell a simple word such as ridiculous, now that is ridiculous, rediculousness is not even a word, that is what is laughable, how can we take you serious, you don't use real words.

I am HARDCORE, and I run with the RYDERS!

LOL Hardcore! Nice!

I see the there are double standards here and you clearly are not fair.

"Want to know where it went, guest? I deleted it. Don't like it? Tough sh*t. If you are not going to have an intelligent debate, you will have no voice."

Oh I am sorry, I thought this was a forum to discuss financial problems and concerns, instead it looks to be a forum to discuss animal heartworm medication - talk about unintelligent comments - not surprised though Jeff that you would post that and pick and choose what to be on here if you don't agree with it!

This is not the first time you have taken it upon yourself to pretend you have control with one thing in your life I suppose - have fun with that!

Maybe you people should take you're time and effort, to get employment, other than spending you're days arguing over this site. Then maybe no one would owe debt in the first place and others wouldn't have to be fighting over how to spell ridiculous, because honestly who gives a f***!

HEY! HARDCORE IS ON VACATION THIS WEEK. But thanks for assuming I am unemployed! :D

I'm HARDCORE and I run with the RYDERS

Then don't complain about owing debt, if you have the funds,than maybe you should pay back the money you owe to these companys. The only scam here is you!!

Who said I was complaining, only about your poor spelling habits! Show me a post where I complain about owing debt! LMAO. You won't find one. LOL. And..........

I'm HARDCORE and I run with the RYDERS

So let me get this strait you come on this forum to criticize indivuals spelling?? What's you're purpose here "HARDCORE" ????

I am a spell checker, you got it right on the nail. I am not ashamed of that! I avenge the spelling challenged by promoting use of the dictionary and any tool to improve one's spelling. It is what I do.


I'm HARDCORE (about spelling) and I run with the RYDERS

Well maybe you should find something better to do with you're time, LOL that's just to funny!! I would recommend possibly becoming a teacher than..

Guest you are such a simpleton and clearly can't get a life to keep yourself occupied!

Let me write this so you can comphrehend it and hopefully have some part in your brain that finally gets it - I DON"T HAVE A DEBT - believe it or not I don't give a s!@#! This company had harrassed me and tried to scam money out of me. Fortunately, I am way above them in the intelligent chain and called their bluff - haven't heard from them since and let me tell you, it has been months if not years.

Unlike yourself who more likely than not is employed by this company, I have the 9-5 dream job and do make a pretty sweet living LEGITIMATELY!

So screw off with your high and mighty unintelligent attitude that the only reason they call is because people owe money - give it up because with this company, it is simply not the case!

END OF STORY once again!

Actually when I am not going after criminals like you who violate their conditions to roam free in public, I enjoy the past time of correcting spelling errors, I am a human spell check robot. I amaze people.

I am HARDCORE and I run with the RYDERS

Quote:

Sorry to disappoint you, the smiles were not me.

You certainly do not rank up their with the professional moderators such as JJ and are extremely immature. AND I don't care if you don't care about my posts or my opinions but the way you conduct yourself on here is pathetic and unfair - plain and simple.

Are you going to delete this post too because YOU don't agree with it. Wouldn't surprise me as it seems you have been given the power (which is unfortunate) to delete posts - furthermore, how the hell did that happen?!

To each their own opinion but apparently you can't take someone stepping up to you and calling your bluff.

What sense was there to keep the Heartworm comments - no sense really, just an excuse and an obvious reason that you do favor on the forum.

I think you have a problem with thinking you are the "great" and powerful one - you must be so proud of your accomplishments here - take a few lessons from JJ - it would be a big, mature step up for you.


Nah - I won't delete this post. I'll just edit it.

I think JediJeff is the COOLEST PERSON IN THE WORLD!! Every day I wish I was him.

And maybe you WEREN'T that one, but I know who you are, so you might stop hiding behind your guest tag, Charlene.

Think what you want about who I am. I am not "Charlene" and you probably won't believe that but I don't care.

There can't be more than one person out there that disagrees with you - you think too highly of yourself!

I made valid points and it appears you don't like them - now I will quote you "tough S!@#$".

At least you were man enough to leave my posts up.

P.S. You really are the definition of immature - pathetic post at the end of mine - sad really.

Valid points? If you did, I apologize for missing them. Any chance you can repost them, or link me to them. I would be very interested in reading them.

And trust me - no sarcasm in there. If you want to have an intelligent debate, I am up for it.

Hi Jedi, I haven't been here in a long, long while. Not sure why I bothered to take a peek. (my ears were burning I guess!) My name is spelt Charline not Charlene. I've read over the last few pages, same old same old.
You've not been conversing with me, I assure you - but nice to know you haven't forgotten me!

How can I forget you? It was Paris in 1993, wasn't it?

I told you I was not Charline. Thanks for coming on Charline to back that "valid" fact up. One more valid point for me Jeff.

Sorry, not going to waste my time trying to debate with someone who is intellectually beneath me furthermore so full of himself.

Besides I don't stand on fair ground here and cannot trust that you won't change my posts or opinions. Sad really that you must stoop to that level to get the attention you are obviously lacking elsewhere whether you agree or not.

It seems that this forum keeps going around in circles to really no conclusion but approximately once a month someone will come in to give an opinion, stir the pot or what have you and you say that same old speech and try and act all high and mighty with your deletion skills if you don't agree.

Proper moderator . . . . you are not.

And as expected, you have absolutely no valid points to present, so you completely ignore the question and go off on some sad, pathetic tangent.

And who is childish?

Valid Point #1

"You certainly do not rank up their with the professional moderators such as JJ and are extremely immature."

Valid Point #2

"To each their own opinion but apparently you can't take someone stepping up to you and calling your bluff."

Valid Point #3

"What sense was there to keep the Heartworm comments - no sense really, just an excuse and an obvious reason that you do favor on the forum."

Valid Point #4

"I think you have a problem with thinking you are the "great" and powerful one - you must be so proud of your accomplishments here - take a few lessons from JJ - it would be a big, mature step up for you."

Valid Point #5

It is sad that I had to repeat these "valid" points for you but here they are yet again. Apparently you don't feel these are valid points but I really don't care as you tend to answer what you want and use your forum powers that be to delete what you want to avoid or don't agree with - it is so nice to see that there is favortism and double standards here as I indicated on a previous post and that unfortunately YOU seem to hold that small power and don't like to be confronted as you seem to think you are the only knowledgeable one here - right?!

Enjoy your ego on that - you should be so proud and pleased with yourself.

Fair . . . I say not!

Whether you respond maturely I couldn't care less, I expect that.

Nice valid points - that have absolutely nothing to do with the purpose of this thread!!! And those are opinions, not facts. So why should I bother "responding"? I didn't know a ranking chart existed that determined who is and isn't a "good moderator". Again, I say - don't like the rules here, leave.

Let's cut this to the quick - if I see anything posted in this thread that does not discuss Kupferstein, Liability Solutions, "The Law Office" - whether it be a story about contact with them or a fact supported discussion whether from a member of their company or not, I'm deleting. From a guest, member or moderator. Square? Good.

Sorry I don't live up to the high standards you expect, guest. I didn't realize my whole life if based on bowing down to you. I'll work harder on that in the future.

Bye.

I'll be watching to see if you actually hold true to your word. Tell me, over the last few pages how many topics have been of Kuperstein and how many not - valid point on my part yet again.

"Again, I say - don't like the rules here, leave." Once again, how is that you make the rules here when you can't even be a fair moderator - someone gave you the power without clearly thinking.

It is expected of a moderator to have certain standards to hold true to and you don't have them, plain and simple, agree or not - don't give a damn either way just stating it how it is.

Are you going to delete this before anyone can see this VALID posting - wouldn't surprise me.

Actually - I am going to leave that post and give you the last word. Call it a olive branch.

You're welcome.

Go Guest, It's your Birthday!!!!

Post deleted for a clean up. IP is tracked in the system - Mike

I just posted a long one and it has disappeared

Here goes my second try again

I have just sat here a read the last 64 pages. Both side have had valid points. My suggestion to all of the infomation post here would be if you owe the debt pay it. If you have been contacted and you don't owe the debt then you can be pissed. But I think quite a few of these people are on here just to stir up bull I think at least 60 percent are debtors just trying to get out of their debt. But just to clear up one issue that I think is just wishfull thinking as I am in the business of investigating. I try to scan all these kinds of forums for scams.
1 - if these people have been under investigation as long as the people on here say then they would be shut down long before now.
2 - The fraud dept would have shut them down if the were a scam
3 - The police in the area would have shut them down asap
4 - The RCMP would have them all in jail by now.
5 - The Law Society would have taken this lawyers license and closed up shop.

My point is this place has probably been investigated numerous times if all this forum is true yet they are still in business. Must mean they are legit. Sorry to burst some of your bubbles. You might not like how they do their business, you might not like how they talk but they are professional debtors out their that also enjoying trying to get out of debt. They used to put people in jail for fraud and theft now they protect them so now their are criminals on both sides of the fence.

just talk professionally and help people out

You do have some good points.Now here are mine:
1.Lose the debtor thinking as it will do no good for anyone.
2.This site exists to help people,not avoid legal debts.
3.If a creditor or collector follows the laws put in place for collections,credit,and reporting,then by all means they should be paid.
4.A collector by law must validate any debt for a consumer.There is a very good reason for this rule.
5.Making threats puts no money in an agencies pocket so why would anyone go there is beyond me.
I will close my post by saying if my points are followed I would pay you in full for any valid debt owed.I currently don't have any overdue obligations and am considered an advocate for the consumers who get abused.

One of the main issues that this company avoids is proof. Since they never send out one piece of validation, it becomes a he said/she said issue in the courts. Since they only illegally attempt debt collection in the US (I say illegal as they are not licensed in any state - at least they have never shown a single registration and do not appear on many state records) and they are located in Canada, any legal action would be taken in Canada. No one is about to drive up there time and time again to attempt legal proceedings against this firm.

That's my opinion (except for the legally allowed to collect in the US part - that's fact).

What makes you think that this company doesn't send out valid proof of the owning debt?? Just because ten or so people have said otherwise, on this forum does not mean thousands of others dont receive any documentaion...Just making that clear.

Guest the point Jeff is making is this company has not met any licensing or registration's requirements to do business in all states of the US.

So i got a call on wednesday from them on my voice mail I del cause i thought if it was for really they would call back than on thursday i got a call and was talking to a man and he said he was from paul Kupferstein and associates he was a para legeal. I asked him why he was calling he said i owned a company money and i said great if your really from a law firm you would have no promplem sending me a letter in the mail and he said they don't do that. I used to work at a collection agency and i know that they have to send a letter out. When i wokred there we send out of close to 1500 a day and in there also recepts for payments. I worked in Admin and that how i know cause i did all the mailing for them. And then he went on to say that on monday i would recive a supeion and so would my family to show up in court and they will frezze my bank accounts on monday morning i have called my bank to let them know about this and they said it wouldn't happin with out court papers. But i was trying to tell this guy on the phone I didn't know what he was talking about since all i have for bills is my car's loan and our mortage payments. My identy was stolen awile ago and i have a police file number and i was trying to tell him that but he would not listen and he told me that i am resperting my self. I hung up and talked to my husband about this and he told me to call my friend at a law firm a real one and i did and she talked to other lawyers and than she called me back and said there not a real law office and the only people that can put frezzes on accounts are CRA for back taxes.
So she told me to put a complaint in with the law society of upper canada which i just faxed them after she helped me fill it out. And next time they call I am going to ask them to fax all documents to her and she will handle it.

Guest - many more than ten have said it. But, for arguments sake, let's say they have sent out to everyone but the few of us. Please, then, explain to my why this company is not licensed to collect debt in any state in the US? That is a offense punishable up to 1 yr in jail and a $1000 fine per offense in my state alone. And similar, if not higher fines/jail time, in other US states. Operating a business without a license is a crime. And please don't say "but they are based in Canada". It doesn't matter. To be a collection agency in the US, you must have a business license. And if you are going to say "they are not a collection agency, they are lawyers", then I will say that to practice law in the US you must have passed the bar exam for the state you will to be licensed.

I believe I have answered your question. Please do me a favor and answer mine.

Oh....I guess that's #11.

:)

I understand that you feel that way Jed, but if all of that was true don't you think they would have been shut down already?? I'm sure that this firmcompany has been checked out down to the core...Why are they still in business then?

They are in business for one reason that comes to mind quickly.They are located in a different country and would require the governments of two different countries to shutdown this company.

Well their pretty damn smart I give them that much!!!!!

I get the impression from that statement that you consider it ok that they illegally extort funds from hard working people.