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

Cathy..you're advice is too little, too late, my dear!

Mr. David - not once has debt ever been purchased.
Cathy is not affilitated with the law office - but I do thank you for your support.
Jedijeff13 - You won't be able to prove that Mr. Kupferstein owns Liability Solutions because he doesn't.
I know I said I would not return, but my name appears here many times since my last post and I see nothing has changed.
'Not/Now who you think' thank you for your support as well.
It doesn't matter what defenders say on this site, only bashing is allowed.
Elle, I don't think 'By Stander' meant any personal about the 'hungry children' comment. I took that to read - there are more important things in life -
Intimidated, your post do concern me. I won't go into details because I stressed you out the last time I made reference to your case. Of all the posts on this site, Intimidated I will say yours are the meanest. There are two sides to every story and this site only allows one.
I won't provide a response to all of your rebuttals. Bash away.

Sorry Elle, the person that posted the comment about 'hungry Children' goes by 'A Greater Cause' not 'By Stander'.
Okay, now I'm gone again.

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oh...Hi Charline!!!

Hey - do you have my answer yet? Who can I call with Mr. Kupferstein's office to get help finding his Illinois professional license?

"Jedijeff13 - You won't be able to prove that Mr. Kupferstein owns Liability Solutions because he doesn't."

Semantics I say! Maybe Paul Kupferstein doesnt per se "own" Liability Solutions, however, as evidenced in the prior posts (i.e., showing how emails from PK's office are from xxxx(at)liabilitysolution.com and how the two entities share the same number) they are 100% definitely affiliated. How can you possibly come on here and try to deny that??

Thanks Mr. David - I was about to say that.

So Charline/Janet....whomever. Let me ask this question:

If Mr. Kupferstein does not "own" Liability Solutions, can you please tell us how the two are connected?

Also - Charline/Janet....whomever. Can you tell me who you work for?

Well it is too bad you feel that way Charline - welcome to our world of having to live with the abuse coming from your direction and your firm. Doesn't feel so good does it? Just giving you guys a small piece of what we all have had to endure from the likes of your firm.

Just saying it how it is Charline whether you like it or not - seems the only way to make a point is to say it how it is which I am proud to say I have done. Seems there is no other way of getting through to you people.

Apparently speaking with you and everyone else from your firm is a great waste of time because you haven't accepted that how your conduct business and yourselves is so unethical and blinded.

To quote you "I won't go into details because I stressed you out the last time I made reference to your case". Are you starting to feel guilty about your choices in life Charline? I have paid off my debt directly to the company I owed to - not once did I ever send a cent to you or every will - GET IT!

"There are two sides to every story and this site only allows one". Charline, Charline maybe you should really consider why that is - because you continually avoid any questions directed to you. You constantly stated that you have answered all questions when that is completely untrue. People keep posting their questions for you to answer and you never do - period! You say we are "bashing", you really need to get thick skin then because this is nothing. Bashing would be what we have had to endure over the telephone dealing with your firm. Funny how you never touch base on that or acknowledge that they do that when 99% of the people here say they do. Wake up, please!

I've not heard from Mr. David for many, many months now - geez, I wonder why that is?! Like I have stated before, just waiting the opportunity to see them shut down once and for all. I as well as others are watching what you and your firm type with a fine tooth comb even some going as far as taping the abuse your firm continues to do to this day in hopes that it can be used one day. Wouldn't that be a glorious day, justice for all the victims of Paul Kuperstein, etc.

P.S. I knew you'd be back and that you have been watching.

P.S.S. Where has Cathy been or is it actually one person from your office posting under many different names - wouldn't surprise me and you can deny it all you want.

Oh and Charline - you never stressed me out. Get over yourself.

You've got nothing, plain and simple. I forgot you have been trained to try and scare people. Sorry my dear to disappoint you, won't work with me ever! How that made me laugh!

Intimidated - this is your post.

I had been contacted by this so called person yesterday threatening me that if I did not pay them a certain amount of money by Thursday, they would sue me and "see me in court". I ran into some trouble with a pay day loan and unfortunately had to speak with Mr. David. I was so flustered after I got off the phone with him that I was going to do whatever it took to get the money to him. I sat by and took a chance at typing in his name on the web and was so very glad this forum came up. He had hung up on me when I questioned him a few times basically just responding with "we'll see you in court". What do I do now - they are anticpating a payment from my by noon on Thursday? I don't know if I should just let it go or do I contact them to tell them they are not getting any money from me. They told me that once the matter was cleared up, they would send the documents to me. I asked them about documentation they had and they said I would get that after the matter was cleared up. I am so thankful I am moving today as they have my address and I am ever most thankful for everyone on this forum because if it wasn't for you, I'd never know and be scammed.
_________________

Charline....I think you missed my post:

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Charline, Charline, you really are grasping now. I must say it is entertaining though - am "I STRESSING YOU OUT" now?!

Clearly you don't read posts thoroughly at all.

Just to re-iterate something I HAD recently posted, please do read below Charline and absorb it once and for all if you can:

"I am proud to say I am debt free now and have been since April. I paid my debt off BEFORE Paul Kuperstein's office even called me. I inturn asked the company if they even knew of Paul Kuperstein's office and they told me they had never retained their services but have had endless calls of angry people telling them of their experiences. So Kuperstein's firm are trying to possibly collect on debts that have have already been paid. Surprise, surprise."

The debt your firm was supposidly calling for had been paid BY ME to the COMPANY directly (I repeat once again for you). Through research and investigation on my part to many hours this conclusion was made and confirmed with the loan company directly.

So how do you explain that Charline? How do you explain your firm trying to collect on a debt that has already been taking care of? You can't - PERIOD.

Try and turn the tables to take the heat off of you and your firm. Won't happen here especially when what you try and define as the truth constantly keeps blowing up in your face and corrected.

Got anything more for me to clarify for you?! Just another one of your emails trying to exploit lies to add to our stack.

Really . . . I knew you'd be back. Too bad it wasn't with answers to anyone questions or any concrete evidence of what you preach being the truth. But that isn't surprising.

Charline or Janet? I think you are still missing my simple questions:

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I won't tell you who I work for, not for any other reason than I don't want to. I'm tired of all of the garbage being posted and the lies. I'm not mentioning names or pointing the finger - those that have lied know who they are, and likewise those that have posted truth know who they are.
How Liability Solutions and Paul Kupferstein are connected if indeed they are is not your concern. All you need be concerned with is that Mr. Kupfersteins office contacted you about an outstanding debt issue. Your files were sent to the Law Office by a client needing debt recovery assistance.
Although you may feel you are doing people a favour by posting here, you are actually causing many people much trouble. People read the lies posted and are thinking this is their way out of paying their bill. Their credit ratings are being affected, and for those that will be (and have been) served papers to appear in court -they can not win. When you are provided a services you must pay for it.
Nothing is perfect, and the Law Office works everyday to better the service that they offer. Like every other company in existance. Many times a day people tell me that they were slandered, defamed, harrassed, etc...When I finally get to the root of the problem, the reality is that they thought the paralegal was rude to them. Trying to collect money from someone that doesn't want to pay it is not easy. If they wanted to pay the money back, they would have done so already.
Why did you not receive validation? There are many reasons as to why, and from the reviews that I've done all are legitimate - you didn't receive it(because it wasn't available), and you didn't pay - fine.
The Law Office is governed by Canadian Laws and we obide by them. Whether or not the Law Office is contacting someone that resides in Canada or not.
You want concrete evidence, but I don't feel it necessary to dig up laws and provide you with proof. The Law Office has been providing an extremely needed services to clients from all over North America for many years now, and will continue to do so for many to come. Occationally there will be people that feel they have been wronged, and steps will be taken to assist these people in whatever way possible. On occation people will feel they have been wronged an no matter what is done to assist them they will never be happy, they will never be satisfied with the answers they are given. This is the same for every company in the world.
There is nothing left to post on this site. I, and I speak only for myself, am sorry for what you feel you've been through. I sence your frustration, and I've posted mine as well.
I sincerely hope that you all live well, even you Intimidated. I'm sure if we met somewhere not knowing who the other was we'd probably get along just fine.
Be happy.

And I have my proof. I have my proof that your company is nothing but a scam. Many times you have said you would be willing to help out anyone that asked. I ask a simple question: What is the conenction between Kupferstein and Liability Solutions and you refuse to answer. I ask who you work for - you refuse to answer. Oh - but you just happen to have an email address with a domain of liabilitysolutions.com. Be real. Do you think we are that stupid?

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I've never posted my email address. It's just that someone is trying to find dirt and there isn't any. Simply because I choose not to answer who I work for does not make anything a scam.
I just don't see the need to answer this question. I'm not speaking on behalf of anyone but myself.
Telling you who I work for and the confidentialities of this company, I believe, do not assist you in any way.

I don't need your email address. You work with Janet, and I know Janet's email address ends with @liabilitysolutions.com.

2+2, Charline.....

If you would like to obtain more information on the ownership of Liability Solutions, you can get in contact with the Ministry of Government Services for the Province of Ontario and they will direct you to a department that will do a business search on this company. You may have to fill out a "Freedom on Information" form to access this information, but you can do it.

I hope this helps. Charlene, what does this company have to hide?

Question for guest and others. In regard to your question Guest to Charline what does this company have to hide. My question to you guest is what do you have to hide. The other lady at this office was nice I have never dealt with Charline. But I do know this which is really a simple answer to all your questions. These people have a job that they are supposed to do. We might not agree with the job. They might not really like their job. But Like most people who have familys you take what you can get when you can get it in order to feed and ck\loth your family. So people might not feel that way but maybe thats why your in this situation. They are probably under contract to only discuss certain things and not other things. When I called the lady she helped me with my problem.

My point was guest you hide behide to title Guest. So what are you hiding.

I ask the same of you. You are an unregistered user. I can't private massage you. I can't chat with you anywhere but here. In fact, you could send me a nasty PM or email, and I would have no way to respond to you except in public.

The question, Jenna, is simple. Charline and Janet have said numerous times they work together for Paul Kupferstein and Associates. They also claim that Mr. Kupferstein does not own Liability Solutions. Yet, I know that Janet has a contact email address with the domain of libilitysolutions.com. So it seems to me they are hiding something. I think asking whether they work for Mr. Kupferstein of Liability Solutions is a valid question. If I had a contact email of..... say .... cisco.com, you can assume that I would for Cicso. But then I claim I don't work for Cicso. Hang on - Cisco does not give out email addresses to people that don't work for them, so how is this possible.

I went over liabilitysolutions.com with a fine toothed comb. The website does NOT have a free email service like Yahoo or Hotmail. So I just want answers. I have Mr. David from Paul Kupferstein/Liabilty Solutions months ago demanding $2000 from me or I will go to jail. I think I deserve to know some facts.




Oh.....and Jenna is close, but I asked for "Bambi". Yeeeesh.

I don't know anything about an email address. second of all did janet email you. Third I have no idea what you mean by Bambi. I understand about your feeling in regards to how you were treated. Or how you said that you were treated. My point is that if you work for any company in certain fields when you are hired you signed a confidelity paper in regards to the company. So by law you have to follow them. So maybe they can't answer your questions. Its not that they won't maybe it's they can't. That doesn't make them bad people. As I have posted here before a few times my sister had problems I called and ended up with Janet she was nice to me and helped me out. And in reading she has helped out others besides me. So Janet if you are still on here or if this Charlene does work with her could you just say thank you once again and tell her I understand why she doesn't post anymore. But some people do appreciate her help and her postings.

Hi Jenna,I will pass along your message.
I quess my question is...Why do you want to know who I work for? I don't believe I've ever confirmed nor denied working for Paul Kupferstein. Simply because you don't understand, and I don't care to discuss with you doesn't mean there is anything to hide. I honestly do not believe it's any of your business. That's all. I speak for myself.

Watch. Now watch how this works, Charline. You ask me a question, and I answer it. Ready?

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Wow.....I am going to stand corrected here and admit a mistake.

I do not believe Mr. Kupferstein owns LSI. See - if I was the owner, I would be the first listing on the voice mail company directory. And all this time, I thought Jay Cowen was the computer nerd at the company. I was just fooled by the WHOIS registry.

Ok - so Jay owns the company, and Janet is his admin assistant. Paul in a main phone option in the directory, so he definately has a high up position. Charline - you are in the top 4 as well. Hmmm.... sales maybe? The rest of the directory just allows you to talk to Juan David, Steve Sargent and two other reps, who I assume have stellar collection procedures as the first two.

???????????????? Little confused here about the last couple postings.

What's your confusion? If it's about something I wrote, I will be more than happy to explain myself.

Good work imee your coming out of the closet or maybe its the person in the first desk. Or it could be Mrs. white with the candle stick. I think one of my first two guesses would be correct. come out come out where ever you are.

Thank you Charline. Good luck to you all

I too borrowed from a payday loan company in Canada. I did not refuse to pay them nor did I run away from the debt. The original debt of 750 in March 2006 plus fees and interest came to 1085. The company took from my bank account the total sum of 1335 since then. I feel the debt is paid, or so I stupidly thought. Yesterday, I received a call from the offices of this Paul Kupferstein. The man calling identified himself as Mr. Shaw(refused to give his first name)and told them that if I did not send them an additional 842 by Thursday, they would have me arrested and charged with fraud. He actually told me that I should get a lawyer to bail me out of jail on thursday if I did not send this money. Of course, my first reaction was to panic. I arranged with my family to lend me the money and phoned him back to get the instructions on how to make the payment, but first I wanted to ask him a few questions. He listened but did not allow me the information on WHO exactly he was representing. In my city, we have the Cash store(that I origially borrowed from) but the head office is located in Toronto but they will not give you their name. I tried to phone the place where the loan was taken from, but they refused to give me the name of the head company and on my bank statements, it only give the name Cash Store. This Mr. Shaw refused to listen that I had repaid the debt(I proposed that I would send him the bank statements as proof) but he wanted none of that. He gave me 48 hours to send the money or I would be arrested on the spot. He also claimed that I had been sent a letter from his office and when I explained that I had moved in the meantime, he had the nerve to tell me that that again was fraud for failing to provide a current address. I offered to provide him with my current address so that he could send me this letter. but his response was that when I sent the money that I should put my new address on the package through express mail and then he would send me the documents that the account was paid in full...I finally got a hold of a lawyer(I am on disability pension with 2 young daughters to support and therefore cannot afford a lawyer) and she gave me advice over the phone. She said it is illegal, even if this man was a lawyer, to threaten to put me in jail, over the phone. She also stated that since I received no documentation, that they needed to send a copy to my new address and then we could process from there, if there was any monies oweing. This Mr. Shaw also told me that they are calling my elderly mother and sister to come to court to testify, but when I confronted him as to why they would need to testify to, he said"I dont know". Would a real lawyer say something like that? I can not believe the lengths they will go to to threaten people to pay extra money for a debt that has been paid. My only problem as of this moment is that they still have access to my bank account and I must change everything over. I have ordered a stop payment on anything pretaining to the Cash Store, but they are so sneaky, that they dont take out any set amount, so If they attempt to take more than 700, they will be refused but if they try to take less than that, they may get more money from me. I cannot change my account info until after the 1st of the month, as my disability cheque will go in as of Friday. If I do change it before then, I will wait at least a week for the cheque and all my bills will be late, not to mention the fact that my kids will have no food to eat in the meantime. I am so glad I found this site and thank you to all for the info. I refuse to lay down and be threatened by this slease bag and his associates. Hopefully this will all be worked out and NEVER again will I be so stupid to take a payday loan out.

I just wanted to add the fact that I did indeed phone my local police and asked them if it was possible for them to arrest me or if they had a warrant out for me, should I not pay this slease. They told me that it is considered a Civil action and they have nothing whatsoever to do with that. They also informed me that since I have proof that they have received money from me, that is not fraud. If I had ignored the loan, they could consider that a form of fraud, but it would still have to go through the courts and without this Mr. Shaw not wanting my new address before I sent the money, indicates fraud on his part and I have the right to sue them for harressment for even threatening to arrest me.

Painfullyaware - well done. You did everything correctly. Mr. Shaw is another "fine associate" with "The Law Office" (that's how they refer to themselves on their company voice mail). Be dilligent and double check to be sure you have paid off this debt. More than likely you have, but for safety sake - give it another look/see.

Don't forget your rights as a consumer when it comes to sleezeb....er....debt collectors. You have the right to a debt validation letter mailed to you stating the company that you owe the debt to and the amount owed. Until you receive that letter, the sleezeb....er....debt collector has no ability to arrest you or prosecute you. This is an illegal scare tactic they use in an attempt to extort money from you. Send NO money until you receive this letter. Here is the Canadian laws concerning your rights:

http://www.e-laws.gov.on.ca/DBLaws/Statutes/English/02c30_e.htm

cbs.gov.on.ca/mcbs/english/collection_agencies.htm

I would also sit and talk with your bank about this issue. Maybe they can put a full hold on your account where you can authorize debits. But yes - as soon as possible, close that account. In fact - why not open a new bank account now, move ALL money to it, leaving a single dollar in the current acct to keep it open. Then, as soon as your check hits, move that money out as well and then close the account. You can possible get the ball rolling now to let that company know of your new account number for next month and in the future.

Hi there. I work for the Canadian Payday Loan Association. I run a complaints line to resolve member complaints. The Cash Store is a member as are most payday lenders in Canada. Call me at 1-800-413-0147 and file a formal complaint. Hopefully, we can get this taken care of quickly.
Also, you can get the bank to refuse all debits from this company. Write the law office and formally request that they only contact you in writing. This is your right under the law. Also, collection calls must be limited to no more than three times weekly.

They are not a collections company they are a law office. filing a suit

Technically - yes - they are a law office. "The Law Office" according to their voice mail. However, the fact that they are calling about collecting a claim makes then a collection agency. No matter what they do - they are first a collection agency in this matter.

And until they send her a debt verification letter, this "law office" cannot prosecute nor file any paperwork against her.

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

It states:

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How many times does this completely understandable information need to be explained to them?

If they were infact a legit law office, they would know what is the difference between right and wrong and how to conduct their business legitimately. Unbelievable!

How many times do people have to repeat themselves. How thick are their heads?

Painfullyaware, I will look into this for you. If Mr. Shaw contacted you it's because there was still an amount owing on your loan. The law office does not have any one arrested or sent to jail, and the law office does not debit bank accounts. If any monies were taken from your account it was done so by the payday loan company.

Thank you to all for your replies and encouragement.
Charline, if indeed there are monies oweing, I have no problem paying it. I understand that I had a responsibility to pay them back and did not at any time refuse to pay. I had already dealt with this company for the previous 9 months(took out loans and paid them back in full on the first of the month). The month that I had trouble was because I was moving and didnt have enough funds to pay the amount owed. I contacted them and we agreed over the phone that I would make payments of 200 until the debt was cleared. Before I received my cheque in the bank, they attempted to take out the money. Of course with no money in the account, they didnt get their money and I got 2 NSF charges taken from my account. I phoned right away and asked why they had done that and the stores reply was that the Head Office did it. I repeated the fact that we had a verbal agreement that I would come in the day before the amount was due and pay what I promised to give them. The stores response was that I could have paid them $50 dollars and this wouldnt have happened. I again explained that I only receive 2 cheques a month to live on and could not pay before that date. Of course, I got pissed at how they were saying one thing one minute and another the next. If you have ever been in this type of situation, you would get very ticked too. They keep referring to the contract I signed that stated payments must be made on the 1st of every month and yet they tried to take money before that date????? Does that make any sense other than they were purposely trying to hold up my account and dont tell me they didnt know that I would be charged extra money(Non sufficient funds).
They then proceed to take out my Child tax credit on the 20th and got money. That is in valilation of the contract they had me sign, so who is rippin off who.
As for this Paul Kupferstein, does this Mr. Shaw have a right to threaten to have me arrested for a civil crime? He did indeed threaten me. Why would he not take my new address and send me this letter he had reported he had already sent.
NO. His response was to tell me" Either you send the money by Thursday or you can contact your lawyer to bail you out of jail. How does that look?? Alot of people would pay for this but I am not one to be taken in. Although I must admit, it did scare me, but not enough to send the money. Today the 48 hours were up and guess what? No police, no letter(because he wouldn't let me give my new address) and no phone call. HMMMMMMMMMMMMMMM
As I have said before, if there is indeed any monies owing, I will gladly pay but I will not be scammed or threaten with arrest, for them to get money they are not entitled to.
As for phoning the complaint number, I have been that route and they gave me nothing but bull. They also refused to give me an address for the head office, so that I could get a balance on the account. So if someone can tell me what I could do to get a full statement of arrears(an address for the company) I will gladly write and maybe this can be done, once and for all.
I think my best solution is to let my lawyer handle this Paul Kupferstein threat and hopefully get a record of payment and or monies owing.
Thank you Jeff for your time and support in this matter.

Painfully & Charline:

I have a GREAT idea. Painfully, call Charline at 905-474-3535 ext. 513. However, when she asked you to fax in proof (we know you will ask her to send yuo something first, Charline) - DON'T. Simply tell Charline you want a debt verification letter mailed to you house. Do not send Kupferstein/Cowen/Liability/"Law Office" a single piece of documentation from your records until they mail you proof of the debt. By law, this proof must show:

??????? the name of the creditor

??????? the balance owing

??????? the name of the agency and its authority to demand payment


And yeah Charline - I know you think I am picking on you (and Janet). Basically, I am. You want me to stop - mail Painfully a verification letter like the law states. It's that so hard to do?

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JediJeff, in the Province of Ontario, a collection agency has to be registered. As well, collectors have to be registered as well who work for an agency.

In the case of law offices, this is a gray area. If a debt collector calls regarding a debt, he/she technically does not have to be registered and also their office is not considered as an agency.

The provincial government is working on this issue as law firms are becoming debt collectors as well.

Don't worry, this will be taking a positive turn shortly for consumers.

This has to be the most ridiculous thing I have read on here in a long time - WHAT BULL and LIES!

"The law office does not have any one arrested or sent to jail". (Charline).

But this law office certainly has no problem in telling people that they will do that and much more!

Get your facts straight Charline. The majority of postings here state that people have been verbally harrassed by your office. Oh, that is right, we are all lying and you (one person) is telling the truth.

Your collegues are pathetic people who use scare tactics and hide behind the telephone and this forum to get money from people AND you come on here telling us that they don't - WHAT BULL !@#$.

I totatally understand and agree with you, CC. In regard to my call - I live in the US. For them to collect a debt, they have to be registered with the state, and this company is not in mine.

My interpretation of the law is that when "The Law Office" calls to make a debt colelction, they are by definition a collection agency. Is the law that grey that they can get around this thru some loophole?

Unfortunately, here in Ontario, they can get through a loophole, which the Law Society of Upper Canada knows about as do the Province and this is why they are working towards closing it. :evil:

Roger roger. Being that I don't live there, I will take your word for it. Keep us informed on how they get the proper legislation in place to correct.

Canadaconsumer doesn't know what he/she's talking about. In Canada there is no grey area. Please review the Debt Collections Act Canada. Lawyers are exempt - period. Good try 'Canadaconsumer'. Painfullyaway, if you want verification please do contact me and I will be more that happy to arrange this for you. The Law Office is never a collection agency. The Law Office is a Law Office - period.

Charline, first of all, it isn't the Debt Collection Act Canada, it is for Ontario. Each province and/or territory has their own Statute.

JediJeff, (http://www.canlaw.com/credit/collect.htm) is the link to read up on collection practices for the Province of Ontario.

In this act, it states, "This Act does not apply,
(a) to a barrister or solicitor in the regular practice of his profession or to his employees",
This is the grey area that is under discussion. Is it regular practice for a lawyer to collect on bad debt. This is strong topic of discussion here in Ontario. Also, paralegals are waying into the discussion as well.

Charline, are you a law clerk and legal secretary. Is it your regular work routine to collect on bad debt. If not, then you are contravening the Act.

Comments, please.

Thanks CC.

And Charline - nice try. The fact of the matter is this - Kupferstein is the only person employed with Liability Solutions that is a lawyer. At least a registered lawyer. I have found no record of Jay Cowen or any of the phone callers being lawyers.

And I am sure you will say I am wrong and offer zero evidence to the contrary. But considering all I have said and shown to be true by backing it up with facts, people will believe me and Canadian (and Intimidated, zeke, Elle and the rest of us) over you.


And what kind of name is "The Law Office" anyway? When I was 2, we had a cat named "Cat". Is this the same thing?

grow up people. This isn't grade 1. Your supposed to be helping people not acting like little school girls.

I agree - it isn't grade 1.

By grade one you learn to capitalize the start of your sentence. I think we learned about contractions (ya know - 'you're' as opposed to 'your') later in grammar school.

I'll be the way I want until I get an honest answer. The fact is I have gotten nothing but people ignoring my requests. Here's another question I'll ask that I hope will get answered:

Is Jay Cowan a license lawyer? I don't find record of him at The Law Society of Upper Canada.

Facts are facts whichever way they are written.

Critizing people stating that they are acting like "little school girls" can be grouped in with your "Grade 1" behaviour comment also I would assume. Critizing others opinions does not help anyone either.

Take your own advice Guest and think before your type.