Paul Kupferstein - Mr. David - EBSI- 900 Number Dialers

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?

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.

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

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!!!!

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.

Hey, gang. Back to vent. :(

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

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?

Now let's just see what this law office is going to do about it - I mean trying to collect on a old debt. Someone wasn't reading their paperwork correctly when the chose to harrass Elle. Looks like a "Dual" suite to me. The law firm should be accountable also for not evaluating their paperwork more carefully.

Media WOULD love this - great word zeke "extoration".

you people really need to take a stress pill. No agency is given all the paperwork. As for the law firm they would have copies of the payment this lady made unless she gives them to them. How ignorant are you people. You have a paid receipt from a bank saying you paid a bill the company you paid doesn't have it so if there's a screw up with who you paid guess what you would have to give them proof. This supposed law firm only need the info that the company gives them then they proceed. Phone any company that does thing kind of business. You have 100000 debtors that have 100 papers in there files. You would have to have a warehouse to store them. They contact the orignal company to get your validation. Unless the have the ability to go directly into there clients computer. Most companys would not allow a outsider access to there data bases. Clue in people.

Fed up most of what you said is a hundred percent true. In any company that passes the debt to another company does not give all the little papers. You get there information date time amount name etc. Most company request that you contact them and they will send out the personal information. Due to the Government Privacy Act. You can not release all the personal information. The other company cannot legally pass on certain info. Maybe the US does not have such a law ????. Even doctors cannot relay info on a patient to another doctor. They can only give some info the patient has to request that the rest gets passed on. I cannot explain any better then I have. I will once again say that if you would like help please call me. And Fed up thanks for some of your info but you could have been alittle nicer about it.

Well said Janet I gather your from the law firm. But I have been reading this site for a couple of days now and its funny. I owe debt to and just thought I would check out this site. I thought I could get some good information on how to spread out my debt. But all I really found on this site are a bunch of people that have nothing better to do with their time then have people waste the tax payers money by saying go to court , sue, well there are alot of serious criminals out there that are waiting for they day in court but the systems are so full of crap like this that everthing get delay. Maybe if someone would have just fix their problems in the first place including myself we wouldn't be here. Now I am on both sides of the fence. I owe debt didn't pay now I have people calling me. But I also am waiting for someone to go to jail for something they did to a family member and it's almost been a year. Every time we go to court there is bull like this in there.

Fed up I agree with you inregards to the courts. I am in court a couple of times in a week. At my old job i was there daily. I watch people come in because someone spit on them. They then get duty council. Guess who pays for this us tax payers. 95 percent of the day are cases like this. someone sues of 50.00 dollars but it just cost the tax payer to pay duty council for 4 or 5 times in court because they would hold it over. If I added up one day worth of waste in the court system I could feed 50 homeless people. Most court cases are a waste of time and money. I also agree that if this kind of stuff was stopped then these rapist and child molesters wouldn't be enjoying themselves for a year or two before there cases went to court and the familys would not have to suffer the wait they could have gotten on with their lives instead of having to re-live the horror for this time period. But you have to understand that some debtors get into binds. Some just don't care. But they are still good normal people. When you work in these kinds of businesses you see all kinds. In my old job and this onew I see so many people bankrupt. But the government allows them 200.00 a month for smokes and 200.00 a month for entertainment. etc. They still get to enjoy themselves well the people they owe go broke with no help. But hey thats how it is. Good luck with yoour family and I'm glad your paying your debt.

Hi, Fed Up! Hope everything works out for you. :)

Just wanted to say....the ???lawsuit??? thing goes both ways. In my particular situation, I was the first one threatened with being taken to Court???by Mr. David. As were my sister and another of my references. All this, mind you, over the collection of a $100.00 debt that I was actually trying to pay off. I thought that was totally nuts...which is why I came on to this Board. Had I not come here, I never would have received all of the support and helpful information that I have???nor would I have been introduced to Janet, who has been graciously helping me work out this situation.

This firm's client humiliated me and garnished my wages by submitting a wage assignment to my former employer using fraudulent documents. Do you think what he did was OK? Do you think I should just ignore it? I understand you must be stressed out and tired with regard to your own situation - but I gotta say, I don't know if I wanna just let this guy get away with what he's been doing.

With regard to collection firms proceeding without all of the paperwork, there is NO way a firm can know if they have ALL of their client's paperwork. They also have no way of really knowing whether a client is legit until something like this happens. I worked in the legal field (litigation, non-collection) for 14 years. I can tell you from experience???you don't know a client is nuts until AFTER they've retained you (lol???sad but true). A firm can only go by what their client is telling them when they retain their services. So???in my instance???you really can't blame the firm for not having a complete file. It's their CLIENT's fault for not giving them the whole picture. They had no way of knowing that???just like my employer had no way of knowing the garnishment notice they received pertained to an old loan and not the same one. I feel kinda stupid for not asking my employer to show me the wage assignment back when this all started. :(

All that said, when the firm does get the paperwork from their client, harassing phone calls should not be the first step. Initially, a breakdown of the debt should be properly presented to the debtor in writing, giving them the chance to pay it or dispute it, as I have done. This at least gives the honest people out there a fair chance to pay off their debt or challenge it. If the debtor turns out to be a deadbeat or is totally uncooperative, THEN the firm or agency can proceed to go after them.

Elle thank you for your kind words. I meant people like guest1 who just sounds like he chirps in to add fuel to a fire thats already being put out. A lawsuit against the first person i understand. A law suit a againt the people trying to collect the money is stupid. Unless you are a greedy person and someone trying to stir the pot. These people are doing their job maybe not so as nicely as they should. But I think this Janet is really trying to help. But this Guest1 and some other people are cutting her up to. It no different than a cop coming to your house because someone said that you hit them. You are place in cuff taken to the station made to feel like a total ass. Accused harrassed bullied etc. Until you can prove your not guilty. your don't get to sue or get a i'm sorry. People need to look at things in a better light. I'm sure you go to work and do stuff for your bosses that you might not like or agree on. But you do it because its yoour job. Or you'd be on welfare. No different than a debtor borrowing money they know they can't afford to pay back but they still go out and get it. ???????????????????

Fed up please don't take out your frustration on Elle she actually has a good case. She is stating her facts. She not stiring up trouble. As for other people i let it go in one ear and out the other.
Elle I will talk to you at the beginning of next week. Fed up I hope everything works out for yoou good luck.,

I hear you, Fed Up. (Sorry for the long-winded post before. Dag...I was on a roll..lol)

Financial hardship is just a horrible position for anyone to be in. It's stressful and depressing and people calling your home to collect...talking down to you and treating you like a loser...really doesn't help the situation. It's to be expected that discussions about it are going to get pretty heated.

I've already conceded to the fact that there are good people that work at collection agencies who are open to helping debtors if they can prove their position. But not all debtors are deadbeats, either.

My stand is that I don't think it's fair for a debt collector or attorney to automatically treat debtors like they're deadbeats without first giving them a fair chance to make arrangements or to defend their position.

And...although things about my job can be tedious, I would QUIT before doing anything that violates the law or that involves humiliating, insulting or demeaning people.

Thanks, Janet! :)

Fed Up - there is a difference between Civil court rooms and criminal court rooms. Civil court rooms are not tying up a criminals court rooms. I know this because I worked in the court rooms for many years so I AM speaking from accurate information when I say this.

Things seemed to be working out here and things have been cooling with the help of Janet (which Elle has confirmed) THAT is until your posting. It seems like you are trying to stir up the pot. Everyone is entitled to their own opinion whether you like it or not and your verbal comments towards other members on this forum is not productive nor helpful.

It is unfortunate that you are going through a tough time in your life but don't take it out on others.

Quote:

See - here is my reasoning (and I will help you out by letting you know the state I live in):

http://spinotew1.commerce.state.il.us/dfsim.nsf/0/fedd1112e98949d18625663a007217a0?OpenDocument

Per that link, for a collection agency to collect a debt in the state of Illinois, you MUST be registered with the IL Dept of Professional Regulation. And I am sure this is true with many other US states. I want proof.

I went to this page:
https://www.idfpr.com/dpr/licenselookup/default.asp

and I searched for either Liability Solutions or Mr. Kupferstein's last name and I found nothing. To the best of my knowledge, your company is not registered to collect a debt in the state of Illinois. How many other states has your company failed to register in? Operating a business without a license in IL is a class A misdemeanor, with a penalty of up to $2500 Fine &/or Up to 1 Year in Jail.

Janet,

Can you answer the last posting?

As I've told you all numerous times before. I am not in the legal dept. Nor do I know about the legal aspects. So I cannot answer your questions.

Then can you tell me who I CAN ask? It is someone's duty at your company to comply with the laws of the United States and Canada. Who is that person?

Very simple request, not complicated at all. Provide the name.

Geez can't you figure that out it would be the lawyer Cooperstein

I would think it isn't. See - Kupferstein is the main lawyer. He wouldn't have the time to deal with such things as securing licenses from states to be a registered collection agent. He would be too busy operating his business, both the CA side and any other legal side. Such a smaller task would be given to another member of the office.

Also - there would be no WAY I can talk to Kupferstein. Janet & Charline have said that you cannot contact him because of his sched. So I feel it is someone else.

I'll even go as far as to REALLY tip my hand on this, and tell you what I think:

I think the reason Liability Solutions, Mr. David, Mr. Sargent and Paul Kupferstein do not send any proof of the debt is because that would be the documentation that would go against them in a US court over the lack of a license to collect a debt. There's the written proof that they are attempting to collect a debt in a state they have not registered in, and that's called illegal. So, since they just bought the debt for pennies on the dollar, it's no big loss to them, considering they pocket $2000 or so on other people they scare and threaten for small $300 fraudulent charges they bought for probably $20, if not less.

That's my claim. If I am wrong, I want a debate from Janet or Charline or anyone else at Liability Solutions/Kupferstein. And back up your rebutal with proof, not just name calling. I'll be waiting, but I won't hold my breath.

This should be good. I mean I have thought the same thing once or twice.

If there is a way, they will find it . . . to get out of confronting the situation and actually provide concrete facts about the topics you have raised jedijeff.

Ahhh....I love the internet. I finally found the location of Liabilty Solutions/Law Offices of Paul Kupferstein in Google Earth. In a strip mall though???


Sorry if the post is so large....

Janet:

Any word from Sipp yet? I understand if you can't post an answer here, but please feel free to call me at home or at work. I leave the office at 2:00 today. I'll be home after that...

I'm anxious to find out what the deal is with this character. I'm still tempted to file suit. Thanks!

I came on this web site a couple of week ago as guest. As I had recieved a call from this law firm in regards to a debt that I was to have supposed to owed. I thought I could get help. I read a alot that did help. I contacted the company that I was told I owed. They verified that I did indeed owe the money I sent them payment. So for the people that helped that you. But I do have alot of concerns on who is really good at helping on this site. And who isn't. Inregards to jedijeff and Guest1 and a few others. Your continual questions in regards to whether or not they can collect here or there. To me this is just a cop out to get people out of paying their debt. Does it really matter were they are located do we really need to see a picture and If and I mean if you owe the debt and you have not paid it or you've bounced a check this is your fault not the person trying to collect so it really should matter were you live. You make it sound like that if you're from Flordia or Mexico it ok to commit fraud but if the law firm can collect in mississipi than you better pay your bill. But I don't have to because I live here and they can't collect in this state. What make you any better. You owe you pay. I think you just like the attention you seem to get on this site. But I do thank the other people who actually wanted to help.

SORRY!! I meant to re-post the above message because I got an error pop-up. When I went to type in "Janet:" as an addressee, I put it in the "Your Name" spot by accident. **blush** :)

elle I will call sometime today or tommorrow. I am in meeting all day today and in the morning.

Confused:

I will adress everything in your post, but you have to answer one question for me before I say another word:

Would you send a payment in to a collection agency/lawyer that refuses to send you proof of your debt, which would include the amount of the debt and the company that is owed the money?

Let me put it a different way: I call you and demand you send me $2000 by 3pm via Western Union or I will sue you. You ask who the debtor is and I respond with more threats and jail time if I don't send the money and then hang up on you.

What do you do?

Do what I did and call the orignal company find out what you can. Its your responsibilty to fix your own error. Its between the company that holds the debt and you. But the way I see it your only making yourself look bad and other people by convincing them to forget their debt because you live in a certain state. Whether they can or cannot is not the main issue. So if your really trying to help. Stop all the bashing and suggest they make calls. Not tell them that its a scam. It can cause alot of problems by doing that with peoples credit rating with law suits and in some places depending on the amount of debt jail time.

Here Here confused I know what your talking about I am in court being sued right now. I listen to people and thought certain things were a scam. Not by this company but another company and I didn't pay. Now I'm being sued and I'm having a hard time getting my mortgage renewed. I will never again listen to someone else about not paying I will research everything. I might not be on time you can only do so much but I will send what I can to keep this from happening again.

Interesting how close in times CONFUSED and UP THE CREEK's postings are and how similar their preaching is . . . could it be???? Maybe they work for the firm, who knows???

Apparently up the creek, you didn't get good advice or you misinterpreted everything you read here. jejijeff's postings are accurate, informative and thoroughly researched. I am confident to say that everything he has been posting has been researched accurately and is more likely than not 100% accurate.

From your posting, you have nothing to back up what you say. Interesting.

Word to the wise, always research on your own. This way you can only blame yourself for your problems and will have no choice but to take responsibility for your own actions. You cannot blame other people here.

Janet:

Thanks. Looking forward to hearing what, if anything, has transpired since we last spoke.


Confused and Up The Creek:

I, too, felt obligated to pay off my debt, and had been trying for months. However, I have since found out that the person who retained Kupferstein????????s office was trying to scam me out of additional money. He also used an outdated and unenforceable wage assignment to garnish my wages by lying to my employer. He told them that the loan referenced in the wage assignment was STILL OPEN and he was presently trying to collect on it. In reality, the loan referenced on the wage assignment had been PAID IN FULL months before via auto debit (so he can't deny it - I have bank records). Nice huh? He broke the law...big time. Do you think that's OK? Given all of this - I obviously did not have the option of calling this guy to "work things out." He'd already proven that he wasn't interested in doing that.

Now...fast forward to the offensive, harrassing calls I get from "Mr. David" of Kupferstein's office (I still have 2 of his messages saved on tape at home). He threatened legal action on myself and my references over what should have been a $100.00 balance. When I offered to send Mr. David proof of what my real balance was, and proof that his client was lying, he called ME a liar and told me I needed to get a lawyer because he was now suing me for $2,000.

Listen: If you????????re going to start threatening me and my family and acquaintances like that, you damn well better be sure you have a license (and a reason!) to do so. So I don????????t think it????????s wrong of Jeff to have done all that homework. I think it????????s awesome. This Firm never put anything in writing. They only CALLED (IN AN UNPLEASANT AND UNPROFESSIONAL MANNER) CLAIMING TO BE COLLECTING A DEBT! Please tell me that you don????????t believe people should just send them money without checking them out first? Given my prior experience with their client, how was I supposed to know they were even a real law firm?

Although I truly appreciate all of Janet????????s help, it really kills me that some creditors, law firms and collection agencies think they are above reproach and above the law. Yes???????I agree???????if you owe a debt, you need to pay up. But, by the same token, CREDITORS and debt collectors are obligated to abide by the rules of conduct, and the law, as well.

look at how close guest1 and elles postings are maybe they are the same person hummmmmmmmmmmmmmmmmmmmmmmm.
yOu can say what you want and I can say what I want. So guest1 stay out of my conversations. You have nothing I want to hear.

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

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... :(

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?

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!

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_Actions_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.

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.

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.

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

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.

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.

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.

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.