Paul Kupferstein Mr. Hazel and Payday Loan

Can you, if you recall, list what companies you borrowed from?

Also - if you are aware you have a debt, I would suggest contacting the creditor directly and working out a payment thru them. Avoid Kupferstein - nothing but a company that ignores and violates fair debt collection laws in both the US and Canada. I can guarantee that the amount they are charging you is illegal. And you can ask, but they will never tell you the company they are collecting for. Don't fret over their threats - they will say anything to get you to Western Union money to them. They cannot garnish your wages or take legal action against you until the mail you a letter telling you the amount and the creditor, and they have never sent one of those letters to a single person that has ever posted on this website. Contact that creditor you believe it is and see if they can tell you if they passed the debt on to Kupferstein. My guess is they wrote it off and Kupferstein's "associates" purchased the junk debt.

One question for you (along with lemons) - where do you live?

I live in Toronto. I tried calling the original creditor but referred me to these idiots, so awaiting for what they are reffering themselves as The Law office representing Paul Kupferstein and Associates for spefics on this debt and breakdown. I owed the money with a payday loan company called Zippy Cash/Click and Cash . What sould I do?

I received a one page letter via fax which is NOT a verification of debt. It just says they are the solicitor for the payday loan company I owe money to and have been retained. No other details , except the amount with no breakdown. I will be calling them to request a breakdown. It is telling me that I have till Oct 31st(tomorrow) to settle and prepared to delay court actions.

Here is a link to the debt laws of Canada (simplified to be easy to understand), which they MUST follow:

gov.on.ca/MGS/en/ConsProt/STEL02_045978.html

They like to claim their are a law firm and are not required to abide by this law. However, since they are collecting a debt, they are, by Canadian law, a "debt collector", and in that, they must:



And more. Know your rights and protect yourself. Until they send you the proper documentation, you cannot be sure just what they are charging you.

I just recieved a call from this office telling me i owe an outrageous amount of money for a debt. I got scared and sent them the money right away xpress post. I came home and called them with the tracking number. They where gone for the day. So I decided to look up there e-mail and found this sight. THANK YOU!!!! I called my postal outlet right away and they still had my package, I went down and picked it up. You people saved me alot of money today. So now I guess I am going to court on fraud charges being filed against me for this debt, lol.

I received a call from MR Sargent and he has given me 24 hrs to pay 650.00 from Payday loan called Serve U Cash. They claim that if I do not pay by 12:00PM today they will serve me with papers and garnish my wages. Anyone with the same?

they will not serve you anytime soon.that is not only a threat by this bottomfeeder.it seems to belong in the playbooks of alot of bottomfeeders.it is a hollow empty threat to get you to pay.

Thanks Paul...I guess you have heard this several time.

New inforamtion came to my attention an hour ago. Apperently Mr Sargent spoke with a freind at work and told him to relay the message to me that I will be charged. What can I do to get thsi guy to not phone my references?

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

no posting of personal or solicitory info per TOS...pm

Yeah, this M Hazel is redic. He's called me at work and left about 3-4 messages stating that I need to respond to his mail requests and by not doing so will only get me sent to court and blah blah blah. I have call display at work so when I see his number come up, I just forward it to voice mail. I'm actually in the process of going through a bankruptcy...not the best thing but I had an ex who totally screwed me over and left me with over $40,000 in debts and I have nothing to show for it. Live and learn.

I just received a phone call from Mr. Kupferstein's office. They stated that I owe $3000 (which is much higher than the amount owed) and stated that I am being sued for fraud tomorrow and that my bank account will be frozen. I am a single mother who is currently unemployed. Can they sue me and freeze my account? I am scared to death.

if they do sue it will not be that fast.this place seems to rely on scare tactics instead of real legal action.it's an empty threat report them don't pay them.

i also got a call, saying i was going to be charged criminaly for having more than one loan with the company at once. does anyone know if this guy has the right? wth is that. everyone gets more than one loan out at once. also he told me he wouldnt take payments he can only take all of it or i will get sued in 24 hours..

again an empty threat by a piece of bottomfeeding garbage.btw the pdl is the one that is in the wrong for giving out multiple loans to people.file AG,AND FTC complaints against this lawbreaking bunch.then ignore them,and don't even thnik about paying them as again a total bottomfeeder that uses over the top scare tactics.

Hi, I don't know if this will make anyone feel any better. But after dealing with harassing calls from these guys for the past few days, well aware of the nature of their "business," I did some research and found out that Mr. Kupferstein moonlights as a law instructor at Humber College. I had a long talk with one of their administrators and had her google him (if you google his name as I'm sure many of you have, there are literally hundreds of complaints in various forums and message boards from people who've been harassed by his "firm")... they were VERY surprised to discover what this guy does for a living, and there will be a review of his employment with the college. Sure made me feel a little better.

Simply stated, Mr. Kupferstein is a lawyer based in Markham, Ontario. The company calling is a collection agency who is either owned by the lawyer, or has an agreement in place with the lawyer. Regardless, based on the laws of the Province of Ontario, collection agents, MUST be registered with the Province and have an appointed number. They must provide this information upon request. If the person who calls is indentifying themselves as a legal assistant, then Mr. Kupferstein is ultimately responsible for their actions. If you feel that you are being violated by this person, then you can file a complaint with Mr. Kupferstein's governing body, The Law Society of Upper Canada at www.lsuc.org. For most of these types of 'loans', it is not in the lawyer's interest to take them to court because it will costs them way more than what it is worth to obtain judgment. (be aware though that the court can and will hold you responsible for the costs of proceeding with the action if they are successful in obtaining judgment) Usually though, they resort to major threats as they know that most people will ignore them, but for the ones that do not, great, they get a percentage of what is recovered.
You can avoid the litigation by simply paying the company back directly.
Simply stated, the easiest way to avoid these people is to re-pay the loan if and where possible. If you cannot make payment in full, make partial payments at the business directly. Payday loan companies are also regulated here in Canada. Check in with their governing body as well to determine your rights. You can also check online with the ontario government to determine what your rights are under Ontario law specifically with respect to collection agencies operating in Ontario as well as payday loan companies doing business in the Province of Ontario.
If you receive a telephone call from this company, be polite but assertive. If the agent threatens you, simply advise him that he is not entitled to speak to you that way, and if he is going to be abusive then the conversation is finished.
If the abuse continues, simply either hang up, or failing that, tell him to follow the proper rules of procedure and file the action with the court and serve you in accordance to the Rules set out in the Courts of Justice Act.
Understand, that if you do truly owe someone money, then ultimately, the lawyer acting on behalf of the debtor does have the right to commence litigation against you. That being said, there are rules and procedures in place to protect your rights. Educate yourself and always seek independent legal advice before making a decision on how to proceed if confronted with a similar circumstance.

that long winded schpiel did nothing but waste space.again a piece of dirt in CANADA just like CREDIT PROTECTION DEPOT that relies on threats they can't carry out.to state they can makes you a humanoid,bobo,shill for this place.again you wasted alot of space and should really get back to the phones drone.

This guy should not be practicing law and please complain to the Law Society of Upper Canada about his lack of professionalism