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

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.

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.

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!

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!

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.

Frankly,Janet..I also don't care what people think.
As far as the "poor erz" statement, I think I can handle myself quite nicely, thank you.
I'm not stirring any pot here and I'm using my own personal time as well.
I have never insulted you, just stating facts. Because you're attempting to help one person here doesn't make you our hero.
You'll get no sympathy from me.

Janet, please provide me with your licensure information for the State of Washington. I cannot seem to find you on the state database.

Janet - since you are registered to collect debts in the state of Illinois, can you please tell me what company name you have registered so I can contact my state and verify? I don't think that is too big a legal question. If you cannot answer that, please tell me who I can call to get that information. If I need to call you, I will on Monday.

Oh - and since you only read half my posts, let me say it again: I HAVE NO DEBT! You have nothing to collect from me. I did my own research, determined what debt you were possibly talking about and corrected it. So I have no reason to talk to you about any file you have, because any file you have is bogus.

Hi, Janet...thanks for the response.

Haven't you been asking this guy to fax you that stuff for weeks now? What is his issue?

I'm not paying him another dime. I've paid him more than enough on this $500.00 debt...most of which he collected USING ILLEGAL MEANS. I faxed you documentation proving it. If you need an affidavit from the law firm that I worked for when he presented that false document, let me know. I'll get it. He can't get away with this. If he doesn't cooperate, I'll get an attorney to take care of this.

This is nothing against you, Janet...so please don't take it personally. I'm just getting pretty sick and tired of this man and his antics. He's a crook...plain and simple. Until now, I think I've been way more cooperative that he's deserved.

www.freebizads.ca/company_details.php?id=1619&Cat=&Cat1=&Cat2=
The Artistry of Debt Recovery I like that!

Janet, what you said in regards to being licensed in every state to collect debt is a blatant lie. I have been reading your threads the last couple of weeks, thinknig you were a trusting person, but b/c of that explicit and intentional lie all your credibility with me is obliterated. THE LAW OFFICE OF PAUL KUPSTERSTEIN & ASSOCIATES IS NOT REGISTERED TO COLLECT DEBT IN TEXAS. And why has it taken you so long to even attempt to answer that question which was asked so long ago?? You say you are not a lawyer and you cannot answer questions like that -- fine ... BUT is it so f'ing tough to ask a colleague or boss or associate or anyone at your office that simple question. That is a COMPLETELY LEGIT question to be asked and one that should be answered quite diligently. You did yourself and your company in this time, at least on this forum. Good luck and goodbye.

Janet, can you answer how The Law Office of Paul Kupferstein & Associates and Liability Solutions Inc. are connected please? Thanks.

I'll save her the breath, Franky: they are one and the same.

Mr. Kupferstein owns Liability Solutions. You can do a whois search of the owner of liabilitysolutions.com and find that the address for that company and the address form Mr. Kupferstein are exactly the same. Liability Solutions is the debt collection "branch" of the activities he and his company performs.

Janet,

It has been a couple days and no response to JJ or Gregory's questions - will you take the time to answer them or not?

Elle - any luck yet???

Erzeke1 - I think you are an asset to this forum - you say it how it is and don't wander away from any topic at hand - keep up the great work!

I answered a question that was asked. I asked a assoc. not a lawyer that was the answer given yes. So jump down my throat all you want. Can't answer some question but you people can't get that through your heads. So I asked someone who is not a lawyer and now your not happy with the answers. Enjoy you day. And intimidated people are allowed to have the weekend off with there familys.

I am gathering Janet, you are the guest who posted the last response.

I have been away for a week and was looking at postings from last Wednesday and Thursday. AND I certainly wasn't taking a shot at your personal time so relax.

If it makes you feel better saying you answered the questions raised when you haven't then so be it. We all know otherwise and are used to it anyway. From what I can tell you did not answers JJ's question or Gregory's. If I am mistaken, please correct me OTHERWISE provide the answers so we can put closure to the questions raised.

YOU have a good day as well!

If I am hearing you correctly, Janet - you asked an associate and that associate said your company is licensed to collect debts in all 50 states.

Can I please get the name and number of that associate? Since they know the answer, I would like to call them to obtain proof of your license. Thanks.

Intimidated:

No...nothing yet. Still waiting. :(


Janet:

Anything new happening?

Hi Janet, thanks for responding to my posting the other day. Please allow me to further state my case. The existence of this debt WAS true. Fortunately the debt had been paid before the lovely call from Steve Sargeant. I could have easily sent the receipt via fax, however is it not human nature to defend yourself when you feel attacked?. My issue here is quite simple. Bill Collectors attempting to collect debts while disregarding the laws of doing so with impunity. I don't care that he called my father as a reference, that is standard collection procedure to confirm contact information ONLY. It is not to intimidate and pressure the answers he wants or needs from that person. (As a matter of fact, I had called and verified that my current address was in fact already on the file, so why no correspondence?) Had he bothered to send a validation letter, I would have responded quite pleasantly, sent the confirmation of payment. It was the WAY and the MANNER in which he called, and how he treated that 3rd party.
Let me pose a question to you, if someone called your family and threatened to implicate them in a law suit that, quite frankly, they have zero legal obligation or connection to, How would you react? Especially after the debt in question has been resolved?. Honestly it infuriated me, and then to have this person bare face lie to me and deny having said anything to my father fuels the fire more. At this point, all I want is to make every effort to make it as difficult as possible for bill collectors such as that to operate with such disregard and impunity with regards to the law. Would you not react the same? or would you let that slide?

I just wanted to add as well, I have read the posting about your help with Elle, and I have to applaud oyu. As an ex-collection supervisor myself, that is exactly the type of practice I always tried to premote, with myself and my collectors. There is no need to be aggressive, perhaps firm but understanding. And I don't Condemn all those working at 'Paul Kupferstein & Associates" or "Liability Solutions", Janet, you are proof that there are collectors out there who do give a sh*t about resolving these matters fairly and accurately.

Looks like Paul Kuperstein and Associates are still up to their old scare tactics - apparently nothing has changed.

Hi, gang. Although I can't go into detail at the moment, Janet has helped me all that she can. Suffice it to say, this is now between me and the "creditor" in question. I am going to do what I can to make sure he doesn't get away with this.

Janet: thanks for everything you did to help so-far. Maybe this will end here...maybe not. But at least you tried and I appreciate that.

And so it continues for you Elle - good luck!

Thanks, Intimidated! Hopefully, I'll have something good to report to you guys in the near future.

Janet, who can I call at your office to get confirmation that Paul Kupferstein & Associates is registered/licensed to collect debt in Texas? Thanks.

Good luck getting an answer.

Look up your canadian laws in regards to law offices then you will have your answer without harrassing this lady. If you are so up on laws you would no the answers that you are asking. These people do not have to prove anything to you. Welcome to the real world.

Go onto any web site you will find.

Lawyers
In Canada, collection lawyers are generally not subject to the same provincial and territorial codes of conduct as traditional third????????party debt collectors. There are very few rules governing lawyers that prohibit particular specific conduct in the context of debt collection. As a result, Canadian lawyers have a number of advantages over third????????party collection agencies when attempting to collect from consumers located in Canada.

That is fantastic info. The fact is, guest, that you forget a major thing: I don't live in Canada. And being that I live in Illinois, the law states that any firm attempting to collect a debt is required to be registered with the state. That is how it works, and being located in Canada doesn't matter.

Also - they are attempting to collect a debt, and on many places in the net and with the BBB, they are registered as "debt collectors", so they have to be registered. If they want to be called "lawyers" in Illinois, Mr. Kupferstein would need to pass the bar exam.

Next statement?


Janet? Charline? Still hoping you would let me know who to contact for that information.

Guest,

I suggest you read postings carefully before you jump the gun with your comments! FrankyJD clearly is asking a question about "TEXAS" not "CANADA".

AND furthermore, in reponse to your comment about this being the "real world" it is also a free speaking world and we can post whatever questions we like whether you like it or not.

AND YES, they do have to prove anything we question if they want payment. That is called validation. Common sense would dictate GUEST, who in their right mind would pay someone without ensuring that they infact owe this so called debt to begin with.

Move along.

"Look up your canadian laws in regards to law offices then you will have your answer without harrassing this lady. If you are so up on laws you would no the answers that you are asking. These people do not have to prove anything to you. Welcome to the real world."

Well, this could be the most naive and ignorant post as of yet! First off, buddy, who said I was "so up on [Candian] laws"?? Secondly, of course they have to prove to me they are legitimate before I send a penny to them. Third, came to this forum and invited us to forward questions to her . . . and moreover, the question I asked Janet was in no way or form "harrassment." Finally, dumbass, I am up to the laws in the US and Texas and such laws state that anyone attempted to collect debt must be licensed in the state in which the debt collecting activities are aimed. Welcome to the real world, moron.

Obviously the intelligence coming from Guests' postings (past and present) are evident.

Well said FrankyJD and I wouldn't take anything this character says personally or seriously. Sounds like this "Guest" is just looking to stir the pot up which is a big waste of everyones time here and forum space.

Move along Guest.

I borrowed money from the Cash Store. I owe them like $60 bucks. i have been recieving phone calls from the law office for about a month. They said they are starting a lawsuit against me. They want me to send them $235 by tomorrow at 4:30. Is this really a scam???

The law offices have been calling my house latley. They said today that The Cash Store is startinga a lawsuit against me for over $2000 . I owed them 60 but with all the lawyers fees and such, i asked it I could jus tpay what I owe. he said that if i send the money tomorrow in a certified check, he would stop proceedings.1-905-474-3535 was the number they called from and I was suppose to talk to Mr. Davis. the address I was to send money to is The law office of Paul Kuperstein 620 Alden rd. suit 200 Markham On L3R 9R7. My husband didn't buy it. He found this site

The law offices have been calling my house latley. They said today that The Cash Store is startinga a lawsuit against me for over $2000 . I owed them 60 but with all the lawyers fees and such, i asked it I could jus tpay what I owe. he said that if i send the money tomorrow in a certified check, he would stop proceedings.1-905-474-3535 was the number they called from and I was suppose to talk to Mr. Davis. the address I was to send money to is The law office of Paul Kuperstein 620 Alden rd. suit 200 Markham On L3R 9R7. My husband didn't buy it. He found this site

I live in canada and althougth i am really pissed, I missed the argument. I was hoping for some more info. Anyone who can help let me know

Lynda, what you need to/should do is contact the company (The Cash Store) you borrowed money from and settle up with them. I am not necessarily saying that The Law Offices of Paul Kupferstein is a scam, per se, but they definitely do not operate in a completely lawful and legitimate manner, pursuant to US laws at least (that is, under Canadian laws, they may be within their legal bounds...but I am unsure for I am not knowledgeable as to the laws there). Nevertheless, if you owe the money you should pay it. I have never used The Cash Store services, but you may have signed away to some late-fees or the like when you borrowed money . . indeed you may actually owe more than the $60. However, if The Law OFfices of Paul Kupferstein continues to call you and pester you about this debt, demand to see verification of such before you pay them anything... one thing I do know about Canadian laws is that, like US laws, debt verification must be provided to the debtor. Good luck and make sure to come back and enlighten us as to the outcome.

Well put Franky.

Just as he said, contact the Cash Store first. Verify if they did go through Mr. Kupferstein. Also, try and pay up the owed amount directly through them. $2000 seems AWFUL high, but considering what I have heard and personally experienced, not a big surprise. Smart of your husband to search.

Think it out - pay $2000 on a $60 loan. $1940 in fees???? And yet, nothing has been filed in court. If something had, you would have received notice from the courts.

Janet from Mr. Kupferstein's office has been working with a couple people here. I am not sure if anything has been resolved by her, but I would contact Janet AFTER you contact Cash Store, if you even need to. If Cash Store is willing to work directly with you, then resolve the debt and be done with it.

The biggest thing - don't ignore the debt. If it is true that there is an outstanding $60 owed, honor it and pay it back. Be cautious, though, because the amount jumping to $2000 is very suspicious.

Lynda in answer to your questions. The law office called your stated that you had an outstanding debt owe the the cash store. You now owe 235.00 if you pay within a time limited. the price is higher because a these people (cash store) have been chasing you for money paying an employee to do this. No response from you. They now send it to the law office. These people spend time trying to track you down that also cost money. to pay these people. So no you would not get away with paying the 60 dollars. Would you like to work for nothing, do you think that 2 or 3 other people should work for nothing. Secondly. the law office would then state to you that if this matter should go to court you could end up paying 2000.00 (court cost, paper work and time) So then they would say you can clear this matter up by paying within 48 hours 235.00 or you can go to court and pay 2000. Not that you had to send the law office 2000.00. another example is that the cash store is not going to take 60 because it not what it has cost them. You owe them your loan amount and and amount for them having to chase you down. Maybe this will help some people understand that they are given options people are not trying to more money then what is owed and fees. When you borrow this money you sign a legal doc stated you will pay in such and such time. you will pay interest. You leave other peoples names for these people to contact if they can reach you. you sign this doc given them the right to contact then you get all freaked out when they contact these people because you have not responded to their calls. Go into the cash store and they will tell you who the have hired to collect their debt. They will then call that company and ask them what you now owe

I agree with a lot of what Guest says. That $60 will have interest, so when you contact the Cash Store, they would tell you what you owe. You have a contract, and you must abide by it's rules.

My only issue, guest, is with your phrase "paying within 48 hours 235.00 or you can go to court and pay 2000. Not that you had to send the law office 2000.00." See - in my dealing with Kupferstein & Liability Solution, my option was simple "Pay $2000 by 3pm or you will be taken to court." And I don't really want to beat the dead horse about their total disregard on my request for proof of debt, and how they just got more rude and hung up on me. And if there are fees, the law states you must explain the reason for these fees.

Lynda - contact Cash Store. Get debt velidation from them. If you can work out the satisfaction of this debt with the original debtor, then all will be well. If/when Kupferstein calls back, request verification of this debt. If he gets rude and deligerent and threatens jail, do not fret. If he is kind and provides this info, do what you can if you must satisfy this debt through him.

And if you happen to record the call with Kupferstein and can post the mp3 of how it went, we would love to hear it.

I second what Jedijeff13 stated. Going way back to when I had the unfortunate pleasure of having to deal with the likes of Mr. David, I was never AND I REPEAT for you Guest WAS NEVER given any option. Basically just verbally harrassed to send $2,000 immediately or "they would see me in court". I then asked for validation as I know I had no outstanding debt and he continued to verbally harrass me and then hung up. That was the last I heard from Mr. David and that was many, many months ago. I have this funny feeling that you GUEST are somehow connected to this company - just a gut feeling. You have been on here before and continue to defend this companys actions and avoid questions that have been directed specifically to some of your postings - why is that?!

I KNOW FIRST hand that the facts I state are true and this firm does operate illegally with their verbal scare tactics and idle threats. It is common sense, operate your business professionally and legally, provide validation to prove a debt and you won't have any problems. Unfortunately for this company, they haven't thus this forum being created - which is a wonderful tool.

P.S. I'd love to hear the conversarion too.

First of all you people are so into legal advice. Well you cannot legally tape a conversation without notifing the person before hand that you are going to tape them. So you may get a law suit directed to you. Canada law states this.

Guest - do you have a link that shows that? According to this link, you can:

accuratealways.com/support/learn/notification_law.htm

Canada only requires one party notification.

tape conversation are not allowed in the court of law. You have to state that you are recording this conversation.

Guest..
Do you have any info to back up this information?

Here's what I found:
Quote:

For your information Guest because clearly you don't fully understand what you are trying to pass onto others, I had notified this firm that I was taping them. They were so ignorant at the time they were harassing me that I don't think they cared but once I told them a second time near the end of the call, they immediately hung up. So you see Guest, I have on tape that I did inform them that I was taping them before the conversation really began. This little tape I have, I am holding onto in hopes that someday I or someone else may be able to use it against them.

You try to talk the talk that you know what you are talking about when infact it is obvious you don't and are just trying to cause !@#$. Get a life.

here is copies from canadian and us laws
Consent
Generally, it is legal to record any conversation where all the parties to it consent (one party consent if all parties are in a state with corresponding law). The U.S. federal law only requires one-party consent to the recording of a telephone conversation, but explicitly does not protect the taping if it is done for a criminal or tortuous purpose. Many states have similar exceptions.
The following phrases may be used to request person's consent:
"For training purposes and your own security your call may be monitored and recorded."
"In order to ensure excellent customer service, your call may be monitored or recorded."
"Thank you for calling America Online. To insure the highest level of customer service, this call may be monitored and recorded."
"All Blue HealthLine calls are completely confidential. However, your call may be monitored and recorded to insure quality of service."
As we see here, the quotes (taken from real life telephone operators) reflect and disclose pretty honestly a purpose of recording a call.
Penalties: The federal statutes provide criminal penalties for unlawful interception of telephone conversations, including up to five years' imprisonment or a maximum of $10,000 in fines. They also allow for civil remedies, by which private parties are entitled to recover actual and punitive damages, together with fees and costs.

RECORDING AND FGCC RULES <73141>
(Warren Levicoff)
The FCC Regulations require telephone carriers to file tariffs with the Commission to the effect that: (1) adequate notice be given to all parties that their conversation is being recorded; (2) that such notice be given by the use of an automatic tone warning device; and (3) that the tone warning device be furnished, installed and maintained by the telephone company along specified technical guidelines. 11 FCC 1033, 1050, 12 FCC 1005, 1008 (1947). These regulations are directed toward the telephone carriers, and do not make recording a criminal offense. However, a person who fails to use the "beep" tone as required may have his telephone service terminated.

Before wasting anymore time, get your facts straight - EDUCATE yourself. I did not need to inform them of anything just like erzeke1's posting states.

You truly have no clue what you are talking about.

Go back to your little office in Kuperstein land Guest.