Paul Kupferstein & Assoc.
Date: Mon, 07/30/2007 - 06:48
I'm happy I found this site...
Last week I received a call from a Mr. Tagna (Spelling???) from "The Law Office" otherwise known as Paul Kupferstein. They claimed that I owed $800 and that if I didn't pay it within 24 hours, sending them a money order, that I would be going to court and it would cost me $2000 than to repay.
I do have a student debt, but I have been making regular payments on it, and within the past 2 months I have been a little short on cash but this past week I've been able to pick up extra shifts and pay what I owe. So, my credit to my knowledge isn’t the worst (I have ordered my credit report to check over as well).
However, when I had asked who this debt is owing to I had to fight the answer out of him. He was like "You don't know who you owe ??? You just borrow money from random places and forget about it after" I was like WTF buddy, I am just asking because to my knowledge I didn't know any of my bills went to collections and if they did I should've gotten a letter I would think.
As it turns out it was a online payday loan that I had taken out a couple months ago, which I knew I had for the amount of $200 and every pay date they would withdrawl the interest out of my account… as I mentioned before I did have some money flow problems the past couple weeks so the past 3 withdrawls came back NSF.
Mr. Tagna DEMANDED that I send a money order by noon the next day in the amount of $800 and call back with a tracking number and make it out to his name… This was starting to sound a little fishy to me. I didn’t make any agreements to pay them I just told them that I will have to go over my paperwork cause something does not seem right. So, I wrote down their address and I wrote their Postal Code (Toronto Office) over something else, and when I went to look them up online I found nothing on Yellowpages, but came across this site, and notice that there is another address, different from the mailing address he had given me…
I called the online payday loan company in which this debt is with, and when I spoke with the girl she said that the owing amount is $400… not $800, however I tried to make arrangements to pay the $400 but the girl said she is new and wasen't sure how to go about doing this online before my next paydate and was to call me back after speaking with her boss with the instructions. She hasen’t called back nor have they answered their phone or emails.
If I am understanding this right, I should have gotten a written notice in the mail of such a debt ??? I just don’t feel comfortable sending a money order for double the amount owing to SOMEBODY, not even making the money order out to a company but to a person at the company. As well as sending to a mailing address listed other than what they have for the company.
I have also read on other threads that phonebusters should be contacted ???
I would really appreciate some advice as I am 7 months pregnant and don’t really need anymore stress.
Thanks
You must send them a debt validation letter by certified reurn r
You must send them a debt validation letter by certified reurn recept. The are required by law to stop collections until they properly validate. Also include a cease communiction prargraph. Here is a sample template that you can tailor to your needs. Do not let these people intimidate you. They play on peoples ignorance.
Quote:
Your name and address Their name and address Attn Mr Bottom Feeder Re Acct # XXXXX Dear Mr. Feeder. I received a call (or letter) stating that I owe your company $XXX on the above account Please be advised that this is the first communication that I have had with your company regarding this matter by phone, mail or otherwise. Please be advised that pursuant to the Fair Debt Collections Act, 15 USC 1692G Section 809 that this debt is disputed and validation of this claim is required. To validate this claim I require the following: >What the original debt is for >The amount of the original debt. >How you arrived at the amount you say I owe >The interest charges applied to the original debt. >All payments received regarding this debt with the original creditor including the date and amount of each payment. This requirement was established by the case Fields vs. Wilber Law firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004 >Any penalties associated with the original debt and the reason or reasons for those charges. >Proof that any interest charged does not exceed that allowed by law in the State of xxx >Provide me with any papers that say I agreed to pay what you say I owe. >Proof that the collection agency owns the debt or has been assigned the debt. >Proof that you are licensed to collect in the State of xxx >Proof that your client is licensed to operate a payday loan business in the State of Florida. (If applicable) >Proof that your company is legally permitted by the original lender to collect that debt. Furthermore at this time I am advising you that I am not to be contacted by your firm or any of its affiliates, subsidiaries or clients by any other means other than the United States Postal Service. Also you are not permitted to contact my employer, friends, acquaintances or family regarding this matter. Also any agreement of ACH withdrawals from my account and any agreement of wage assignment are hereby revoked. If your office can and does provide all the information that I have requested I will require a minimum of thirty days from the receipt of that information to investigate its validity and to retain counsel if necessary. During this thirty day period all forms of collection must cease. |
Thanks for your fast reply... I live just outside Toronto, Ca
Thanks for your fast reply...
I live just outside Toronto, Canada... Can I use that template for here as well or would you happen to have a Canadian Version...
What I find interesting is that he never even provided me with an account number or a reference number.
That is a good question. If the colection agency is trying to co
That is a good question. If the colection agency is trying to collect in Canada. I would think that Canadian laws apply. Hopefully someone out there can answer this. I wouldn't worry about htem to much because I doubt they are licensed in Canada.
I posted a new thread in the Pub called Threats Across the Borde
I posted a new thread in the Pub called Threats Across the Border. I am hoping that I can gather up better info for you. I think that address is just a mail drop. You might consider driving over there to see if there is really a law office. I would not send them a dime. You did not borrow it from them and you don't owe it to them. I think he is just trying to scare you which is what Kupferslimes office is known for.
The CA must be a licensed business in your state. And since this
The CA must be a licensed business in your state. And since this company is based in Canada, they have to abide by the laws here in US before they are allowed to collect the consumers' debts. Please notify the AG????????s office and the BBB about this CA. Read the posts in these links. You will know more about their dirty business.
http://www.debtconsolidationcare.com/forums/kupferstein-info.html
http://www.debtconsolidationcare.com/forums/about2990-8.html
http://www.debtconsolidationcare.com/forums/paul-kupferstein-13.html
The borrower resides in Canada. I did a search and I see that Ku
The borrower resides in Canada. I did a search and I see that Kupferstein is based in Ontario and has been banned from practicing law there or anywhere. I would not put up with any of their crap. They are a bunch of scammers. File a complint with what ever the Canadian equivelent of the Bar Association is.
The evil returns!
Hello there,
It is very refreshing to know that I am not alone with this???????
I had recently moved to Ontario from Quebec and based on Quebec laws ???????payday loan??????? companies do not exist. So as I settled into Ontario, debts followed, stress followed and before I knew it I wasn????????t earning enough money to pay my bills on time and then I passed a payday loan company??????? BIG MISTAKE!!!!!
So I got a loan, a few to be quite honest, and then next thing you know the inevitable! I was paying off their fees, falling into bigger and bigger debt and was considering bankruptcy (something I never considered in the past!)
I paid off each loan company I was involved with little by little and then it was too late. I got a call from Paul Kupferstein and Associates (AKA jerk offs!)
They called me initially at 7:30PM in the evening telling me that I was in the process of being sued and that if I did not find 1700.00 to pay them within 24 hours then they were proceeding to put their paperwork together and have me investigated for fraud and that I should contact my lawyer. I never felt so terrible, I couldn????????t focus in my job, and I had to beg people to help me get some money together. Fortunately my father was able to get a loan out himself for me and I paid them off.
I thought it was over??????? I was wrong!
They contacted me again! One month later to be exact demanding 900.00! I told them that I already paid them off and this was becoming harassment. The this so called ???????mr. Sargeant??????? claiming to be a lawyer calls me and threatens me, contacts my family and threatens them! I managed to get the money again and told them that I am going to their office (I live close by to their office on 620 Alden Road in Markham) and went there to pay off the debt in person. I????????ve seen a many lawfirms in my day and I have to say that this looked like a dingy old 3rd party call centre. The sign says ???????Law Office??????? no acknowledgement of this Kupferstein, they were dressed in jeans and seemed very informal. I had to pay them cash which made me wonder ???????Shouldn????????t their be some sort of paper transaction???????? Anyways I paid them off, I feel pretty stupid doing so because afterwards I googled them and found all these sites. These people get off in treating people like garbage and instead of attempting to understand our troubles they make us feel like second class citizens. I warn anyone reading this to please do your research, ask for information in writing and if you live in the Toronto area, bring the money in and judge for yourself??????? I am out of 3000.00 for an initial payday loan of 500.00!
paul kupferstein
they called me about two weeks ago regarding a lawsuit for $3000 from focus financial..ive been struggling and been unable to payback my payday loan...they said if i dont pay at least $300 they will go on with the lawsuit and the following morning i will be escorted by RCMP to court. I got really scared and send money right away...i made arrangements to pay them again supposedly today for another $200, however my maternity benefit wasnt enough...i dont even have anything for my 4month old son on christmas since im really broke...i came across several websites regarding this lawfirm that caught my attention..im really just looking for their phone number..i was wondering will i really go to jail?? are they really gonna send me to court?? it was Mr. David who called...no proper name other than that, he sounded really convincing and scary...help...since i didnt pay today, can they send me to jail..will RCMP go to my house>?? I live in BC canada
Not familiar with Canadian Law, but in the US, you cannot go to
Not familiar with Canadian Law, but in the US, you cannot go to jail for an unpaid debt. Hope you aren't paying them by a check or debit over the phone, if so you need to close that account asap and open a new one.
Just to let everyone know, I have posted on this forum as well a
Just to let everyone know, I have posted on this forum as well as other forums, in repsect to the conduct of Mr. Kupferstein's office and staff, and Ihave been retained by two parties so far to commence civil action against Mr. Kupferstein's practice.
I am licensed by the Law Society of Upper Canada, and all of the right not be harassed and threatened by people suchas Mr. Kupferstein's minions.
Ii will answer any and all questions, and please send any questions to
.
Thank you.
Allison Gowling LSUC #P00081
Email address removed per the TOS, by Shazzers
I have had many telephone calls and e-mails from various people
I have had many telephone calls and e-mails from various people who have been harassed and threatened by Paul Kupferstein's Law Office and his monions, and I thank you all very much.
Again, as Mr. Kupferstein is responsible for his staff's conduct, and as his staff are violating not only the Rules of Professional Conduct, but also the Criminal Code of Canada, and he is responsible for any damages you may have suffered.
Mr. Kupferstein's staff is not allowed to call your employer, your friends, your neighbours, your relatives, your parents or grandparents in order to collect this debt.
If Mr. Kupferstein's staff does this, you can sue them.
My firm would be most agreeable to being retained by anyone who want to sue Paul Kupferstein for harassment and damages.
I bill my time at $150.00 per hour, and I request a retainer up front of $500 plus 5% GST, and I look after all steps of the action.
The limit in Small Claims Court in Ontario is $10 000, but on 1 January 2010, that limit rises to $25 000.
And Mr. Kupferstein is not going to be thrilled about any matter such as this get in front of a judge.
you can reach me at deleted
I look forward to hearing from you.
Allison Gowling
soory no posting of personal ph#'s or emails. paulmergel