Paul Kupferstein & Assoc.

Deanna

Welcome to the forums! Could you please go into a little more detail about your recent contacts with Paul Kuperstein & Associates? After hearing about your situation, we'll be able to address the question more clearly for you.

Regards-
Mike

I just received a message from a Mr. David stating to have my contact call them within 24hours because they are to start the process of sueing me and going to report what I owe to the credit bureaus. I just want to know can they really sue me. This is a collection co. for a payday loan I owe. I just need to know whether to take them serious about sueing me.

A very detailed discussion is taking place on this company. You might be interested in adding your comments here as well. Check this thread out:

http://forums.debtcc.com/forums/paul-kupferstein.html

I just received a message from a Mr. David stating to have my contact call them within 24hours because they are to start the process of sueing me and going to report what I owe to the credit bureaus. I just want to know can they really sue me. This is a collection co. for a payday loan I owe. I just need to know whether to take them serious about sueing me.

Deanna, just like any other collection agency, Paul Kuperstein is also required to follow the legal lines of the FDCPA3 in debt collections. The law requires them to serve the details of the debt in writing within 5 days of placing the initial communication. If they have not sent you anything about this debt in writing, send a debt validation letter requesting for the complete info. They must send you the details in writing before attempting any further collections.

Send your letters certified with return receipt requested so that you are sure of them receiving your letter. You can also prove the dates of the letters being sent. This way, you will cover your basis legally and prove your part if the matter reaches the court. As per the fdcpa, you can refuse to pay the debt until the company gives you any info about this account.

I have not received any letters from this collection agency for this debt this is the second call I've received from this company and one was last year probabley sometime between 9/05-11-05 dont really recall what month I received the first call from them.

As per the state laws, 35 states in US allow recording debt collection phone calls secretly. You don't have to take the permission from the other party. Be sure that you are living in one of the states.

Quote:

BIG FYI - this is not a collection agency it is a LAW OFFICE very capable of taking legal action.
Deanna, you've been contacted because you are indebted to a client that the Law Office is representing.

Deanna, if you know you owe for an outstanding payday loan, why have you not paid it back?

What can I do if they will not send me a receipt of my payment? I paid off a dedt from a pay day loan back in July of 2006. I have still not recieved any sort of reciept. I have called and spoke with Mr. Sargent a few times and each time they assure me it will be sent. Well over the weekend I went back to the payday loan place for the first time since this incident happened. I was told they had still not recieved any notification that this has been paid. I am freaking out!! I called Mr. Sargent again today and after he told me that it was sent, they accused me of losing it and questioned why I hadn't called earlier, which I had several times. I charged back, demanding some sort of proof that they actually sent it. Of course, they didn't have any. After being more forceful than I like to ever be I gave them my fax number at work to have this sent immediatley. I'm still waiting. What can I do if I don't see this fax today? Any suggestions?
Please help.

Kevin - it's hard to say what will happen. You are dealing with a very shadey company. They have a history of collecting fraudulent debt. They also tend to violate debt collection laws in both the US and Canada.

How did you pay off this debt? I do hope via a check or money order. Some way that has some receipt. You will need this. If you have lost it, or paid cash, I hate to say it, but you are probably out of luck. You can try filing a claim against them (Kupferstein), but I can't say you will have good luck over it.

If you want to read more (and probably be sickened by it all), go to these two threads:

http://forums.debtcc.com/forums/about2990.html

http://forums.debtcc.com/forums/paul-kupferstein.html

If you have questions, feel free to register a username and PM me.

Oh....and you see about how Charline, who does work for this company, stated that they are a LAW OFFICE.

Technically, they go by the name "The Law Office", and they seem to have Mr. Kupferstein as an employee. However, if you live in the US, they cannot legally sue you. THey would have to retain legal counsel in the US to do their dirty work as Mr. Kupferstein is not a registered lawyer anywhere in the US.

And also, "The Law Office" is not registered to be a collection agency in any US state either. That is probably why you have not, and will not, receive any documentation. If they send you proof they collected money from you, you can take it to your Atty. General, which will prompt a nice fine and possible jail time for operating without a license.

They buy junk, written off debt and through strong arm, illegal tactics, collect. I am sure they do have a few real clients. In my opinion, these clients are just are poor at "The Law Office".

Jedijeff13, thank you very much.
Fortunatley, I am in a better position then most. I do have copies of the money order and the courier bill from when the payment was sent. Also I'm in Toronto and they seem to be based out of Markham, not very far away. I'm interest to see this "office" after reading these posts. It blows my mind, what people have to go through. This site has been very helpful and has giving me plenty of insight as to just how many people have to deal with these unbelievable situations.

Oh and by the way... I'm still waiting for that fax. Suprise Suprise. Thanks again to everyone who keeps this website running.

Kevin - if you get the fax, please come back and let us know. We have heard time and time again of promises of documentation but not a single person has ever told us if they got anything.

In fact - Charline (or was it the other female in the office) helped someone about 9 months back. They actually asked the member her for copies of their documentation. Call me stupid, but if you have been contracted, wouldn't you have all that?

Oh...and if you have a digital camera, why don't you swing by their office and snap a few pics. To the best of my knowledge and research, they are based in a strip mall. Not sure if their neighbor is a Blockbuster or a dry cleaners, though. :)

Wonder if he got any documentation from them? Not likely!

He did!

This group of "Lawyers" are scam artists. They just got my parents for 511.96. I've never done a payday loan with "The Cash Store", yet somehow owed them this amount?
Thinking it was for real, as I have done pay day loans in the past, but found it weird that I had not received anything prior to this stating I owed any money, my parents sent the check. They found out today that they were scammed and are in the process of having the cheque stopped.

DO NOT SEND THESE A**HOLES A CENT!!!!!

They will send out phony faxes as well. They sent my mother a fax stating it was from "Rent-Cash" who apparently own the Cash Store.
FYI, they don't have a physical address. If you lok this up with Canada Post, it comes back as a P.O Box.

Law Office of Paul Kuperstein
620 Alden Road
Suite 208
Markham On
L3R 9R7

yes they are a SCAM! They tried to get my father. I did my research on here and told him to do nothing...they never called him back again...TARDS!

I have a police report files about these unscrupulous JERKS. About a month ago.... Pretty much the same story as everyone else,"pay today or we will sue you in Miami and file criminal fraud charges for denying the calls your children made which means you will never get telephone service again" After the phone call, I contacted a criminal defense attorney and family friend. I explained to him the phone call and situation. He researched this company with his resources and found a lot of dirt. He told me that they are illegally trying to collect debts that they are not contracted to collect AND that had already been written off by the original creditor. What my attorney found out in his research is that although this company does legitimately and legally buy debts and is contracted to collect them, they ALSO buy old phone records form unscrupulous vendors and KEEP the funds they collect. DO NOT PAY KUPERSTIEN!!!! Contact the original creditor if you believe the debt to be legitimate. My attorney told me this...#1. NEVER send money in response to nothing more than a phone call out of the blue. #2. ALWAYS make sure you have been mailed invoices or notices, some kind of paper trail. #3. Sueing someone without ever sending them letters or showing documented attempts for collection is absolutley NOT acceptable. The first word I heard about the charges that were marked off my phone bill 2 years earlier was some guy demanding payment and making threats....no letters sent to me, no phone call prior, nothing but a guy calling 2 years later demanding and threatening that I send him $900.00 or I would be sued for $4,000.00. I called the guy back, got the info. to where and who I was to make payment and then I told him that he could go F*&^%@ himself and his office would be hearing from the authorities, either Canadian or US. Interestingly enough, I haven't gotten another phone call or the law suit paperwork that was promised to be served on me the following week. THEY ARE SCAMMERS!!!!!!!!!!!!!!

Jenna you should call back i can send you directly to the store that you borrowed the money from. they will show you your signature where you borrowed the money in ottawa.

HaHa. There you go Jenna, you should do that, but then again the only person that's a scammer, trying to get out of paying is you!!

Jenna I just recd a call from the store that you borrowed from saying you call them today all upset and that they proved to you that you borrowed the money. Funny how you have not answered whom the scammer is now. Now there are NSF fees also,

typical debtor. Slap in the face isnt it Jenna

Jenna

I was wondering if you would like your drivers license, banking info, payroll info, your signature your SIN number, birthdate etc posted on this site. As for the address being not a physical address please feel free to drive here to make your payment so that we can prove once again who is the scam artist now. Just for your information, you are now being sued and anyone else that would like to put their real name on the site with false information will also be sued. The loan was taken out in March 05 with your signature. It was to be paid back in April 05 how is it that you forgot about the loan for the last 2 years.
By the way have a great day.

Guest you post any private info here and I will ban you and do my utmost to cooperate with law enforcement for prosecution under relevant federal statutes. So cease your personal attacks on jenna and do not even think about posting that type of info.

cajanbulldog

Its ok for Jenna to post false information about a company so that she can get out of paying a debt and call people names etc. But its not ok for us to put stuff on here or you will ban us. Once again its a one sided fight people can say whatever they want about this company but when we prove time and time again that these debtors owe funds and do this to numerous people we are the bad ones. As we stated in the previous post we will see her in court. Maybe you should just remove the sites and find another company to try to slander.

funny how I just posted a response but it has gone missing. I guess if you are a criminal scam artist and debtor is the only way to get post on here

We have a privacy policy and as far as your company is concerned,all information is in the public domain.Your comapany's record speaks for itself. Instead of crying on a public forum show your consumer's some real proof when they want validation and follow fdcpa. If you have given them full legal proof of the debt,then by all means sue if you have the legal standing to do so.

Privacy policy is that what you call it. If i remember correctly wasn't an individual, on this forum claiming to take pictures of the employee's in this office, and was wanting to post them on this site. Last time I checked that was against the law, without permission. Unlike jenna she shouldnt have opened her mouth. According to her DOB she's just a baby, I guess with age she'll learn to think before she speaks, maybe even gain a little responsibility. Or an even better tip for all, speak the truth. Just don't give me that privacy crap, I like my privacy also, not wondering if there's some wacko outside snapping picture's of me. Careful i'm watching for you!!!!

This topic is closed to further discussion since it has degraded to nothing but attacks.

is it not obvious that this is a scam ... or am i missing something.