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

Just stop with the nonsence already. I'm not attempting to do any damage control as there was no damage done. You all claim to have been treated so poorly, no file numbers were given to you, no one gave you their name, you just got a call out of no where from someone looking for money.
I've provided you with everything you've asked for and invited you to call and have your file reviewed, but all you want to do is post garbage.
"infamous Canadian office" I've never once refered to any of you as infamous American debtors.
Sling your insults elsewhere, if this is how you dealt with the paralegals from our office I'm starting to understand why they may have treated you with the same lack of respect.

Hitting a nerve are we!

I am Canadian so then I WILL call you the "infamous Canadian office" so call me what you like if you want to play that game.

This is not NONSENSE! These are the facts and I am appalled you would even consider what we are trying to bring forward such. Your so called company has disrupted many people lives so we are entitled to state how we feel about your companies wrong doings - actaully it is our right like it or not! "Your" company has harrassed many honest people so I so am sorry if you are offended when we speak out minds!

Why is it all of a sudden you are so accomodating in providing such information that your company failed to do so before?

Again I ask, you are stating that you will provide to these people you are calling proof that you have been hired by a company, proof of a correct amount owing and proof that monies collected will be sent to the appropriate people? You never really answered this question in my last post.

In my opinion, Guest8 is absolutely corrent in stating that "damage control" is now taking place within your company that has been so poorly ran up until now.

I wouldn't have had to refer to this defence mode if I wasn't harrassed in the first place so I suggest YOU "sling your insults elsewhere".

Why don't you take a step back and consider how we were treated then maybe you will understand why we are so upset.

And again I urge you, Charline, to not worry about it. You have no file on me for I have contacted every creditor I ever had and verified any missing payments. I also pulled a copy of my credit report, and there is nothing on there. In the words of The Replacements:

I O U Nothing........

My main point of coming here and posting all I have researched and learned is to educate other readers to check their own records first before they buckle in on any of the threats they receive. Charline - I bet you are a great worker and a credit to your job ethics. Simple fact is that you have one coworker, if not more, that does not do anything by the book. And I will not stand by and let him bully and intimidate people when his is 100% in the wrong.

Intimidated, I know you are Canadian - I am now familiar with your file.

I doubt you are.

Considering the fact that I called your office sometime ago to investigate and was told they have no information on me.

So, what is your intelligent reponse to that one.

1. I was contacted and harrassed by your office.
2. I confirmed with the company I dealt with I infact owed no money to them.
3. I contacted your office to then find out they had no information on me and was told they never called me to begin with.
4. Began corresponding with you these last few days.
5. Called the company again to confirm I owed no money.

So you see, I was wrongly harrassed for nothing!

Sounds to me like Jedijeff13 went throught the same scenario I did.

Charline, how does something like this happen? Can you explain that?

Being new to this forum, Ms. Charline, how do you comment on an old posting below.

Quote:
Telemarketing Scam Uses Bad Credit To Snag Victims:
File Complaints With Better Business Bureau

POSTED: 1:51 pm CST November 29, 2005
UPDATED: 5:10 pm CST November 29, 2005

HOUSTON -- An urgent phone call demanding that you pay off a bad debt may end up costing you more than you bargained for, the KPRC Local 2 Troubleshooters reported Tuesday.

"It can be very intimidating," Blake House said.

"This is Mr. David calling from the Attorneys Office of Paul Kupferstein & Associates. I am calling regarding an urgent legal matter," a phone message to House said.

House received a letter from the same law firm in Canada. The important legal matter was an alleged unpaid bill for $102.

"I just didn't feel that I owed this and I needed somebody to show me that I did. And they couldn't," House said.

John Owens, with the Texas Attorney General's Consumer Division, said Canadian scams targeting U.S. residents are on the rise.

"There's a lot of corrupt telemarketing going on in Canada, I hate to say," Owens said.

In this case, the Troubleshooters discovered the law firm of Paul Kupferstein is not even registered to collect debt in Texas. Every bill collector calling Texas consumers must be licensed and bonded, and with the Secretary of State.

The Canadian collector refused to talk about it.

"We represent about 60 different clients, so there's nothing I need to speak to you about at this time," a representative said over the phone.

House filed a complaint with the Better Business Bureau and never heard from the company again.

But others are still receiving harassing letters and phone calls, according to the Troubleshooters.

"Contest the debt in writing and send it certified mail," Owens said.

If that does not work, House said to try his tactic.

"I'll hang up on him," he said.


If you have a news tip for the KPRC Local 2 Troubleshooters, drop them an e-mail or call their tipline at (713) 223-TIPS (8477).

You are responsible for all calls coming to and from your residence - regardless of who made the call.
Intimidated, relax. Your information is confidential as is all information held by our office.
It's a shame, but not all lawyers are well versed with the laws pertaining to collections. It is apparent, as well, that Mr. John Owens is not familiar for the juristiction to which a Candian law office must attorn. We don't practice law in any of the United States, we place calls from our office in Ontario Canada. Canadian lawyers are exempt from the Debt Collection Act, the act clearly states as such.
I've seen all of this stuff, there's no need to continue to post and re-post. People complain, it's a fact of life. It's unfortunate, but only we know for sure if we are telling the truth or not.
You keep on looking for trouble, but there isn't any.

The fdcpa does not exempt Canadian Lawyers doing business in the US. By collecting from US residents you are doing business in the US and thereby subject to US laws. Also, for states that specifically license/regulate collection activities, you are subject to those laws as well above, beyond and separate to the FDCPA

I am not worried, not a bit because you have nothing just idle threats to try and intimidate everyone else here in to thinking you do. Get over it and move on.

Did you not read my last post, your office admitted the second time I contacted them that they have nothing on me, no file, NOTHING. This was the after the conversation I had with Mr. David when I told him I was taping the conversation and was going to slap him with a verbal lawsuit if he didn't stop harrassing me. The person I talked to FLAT out said they had no information on me. Interesting how the tables turned so quickly huh.

I was never looking for trouble, your company was the one who caused trouble.

P.S. Charline, you never answered my question from my last post . . .

"Again I ask, you are stating that you will provide to these people you are calling proof that you have been hired by a company, proof of a correct amount owing and proof that monies collected will be sent to the appropriate people? You never really answered this question in my last post."

Quote:

Awesome info Sapphire! :)

Quote:

You continue to both baffle, and amuze me.

Can I also just say you guys ALL fricking rule!?!?!

Sapphire, Intimidated, jj and anyone else that has contributed - I'm buying you all beers.

Make it Corona with lime! ;)

Thank you, Jessi! When in doubt, go directly to the source.

It amazes me how misinformed some collectors can be when it comes to the laws.

Excellent post Sapphiredreams!

I have been following this forum straight from the beginning and the incompency that comes out of the fingers of this firm in truly unbelievable. What is more unbelievable is that they think if they talk in legal terminology we won't understand what they are talking about and believe everything they say/type - WRONG!

Furthermore, who's to say they are even truly a legal office? Sure there may be one lawyer but my impression is that the rest may just be collectors. It is easy to write you are a paralegal because who can say otherwise. It is easy to say you are operating a legit business but everyone here knows you are not!

See, it's easy to talk the talk with people who don't know otherwise BUT there are many people who smell a scam from a mile away.

Back to the drawing board Charline, Paul Kuperstein, whoever - get your facts straight before posting and wasting others time.

again with the amuzing stuff. It's pointless to carry on with you. Do us all a favour and educate yourselves on all of the laws.

C - tell us where we are wrong. And after you tell us, back it up with proof. So far, I have spent hours on the net searching for and posting proof of the deceptive tactics used by the lawyers mentioned here. I have posted nothing but fact and law.

Tell me how I am not properly educated. Otherwise, do us all a favor and leave.

C, was your comments directed towards us or the company in question?

If it was for us, didn't you see the post I made earlier where I copied and pasted the converstation I had with the FTC!! It was directly from the source so are you saying FTC is uneducated when it comes to fdcpa laws? :roll:

Funny how Charline did not respond to that post or perhaps its you all along, Charline?

Ofcourse they are one in the same.

Take your own advice "C", "Charline" or whoever you are and educate yourself because your bluff has been called and you have been exposed as truly not knowing what you preach - AND that is what is amusing!

MOVE ALONG!

Kudos to your postings Jedijeff13 and Sapphiredreams!

Hurray to all of you. I'm not hiding, I sign everything C - it's Charline.
I promise I won't ever post again, not as guest, not as C and not a me, Charline. You've all done much research, and that's a good thing. We should all know the real deal.
I wish you no ill will, I'm glad you owe no money, and I'm sorry you had trouble with Mr. David or whoever from the Law Office.
I came here to answer questions that you wanted had. Sorry, I've obviously not said what you're looking for. I've been truthful, and respectful.
You've been provided the necessary information to contact me personally so I could review your file in an attempt to resolve your concern. No calls, not one.
Speak amongst yourselves, and make the best you can of a bad situation. This forum is about helping each other which is what I've tried to do.

Follow your dreams - I'm not the evil person you've decided I am.

While many may be calling for your head, Charline, I have said kind things about you and your offers for assistance. My only issue with you is your statements that we amuze you and the we should learn the laws. Other than that, I say thank you for your offers to assist anyone that calls you. I think most of us on here haven't called because we have no reason to - we know what debts we have, and we know that your company does not have an honest file on any of us.

All I have done is post the laws. And the fact is that the company you work for has numerous people that have not abided by them. No one that has a file in your office is attempting to get out of their debt. I think myself, Intimidated and others have a big issue with how they were treated, and also with the fact that any debt "turned over" to your office is non-existant. It is well documented that Mr. Kupferstein and Liability Solutions purchases write off debt with an attempt to collect. The debt is written off for a reason, and 99% of the time, that is because the original debt was a fraud. Those debts were excused, but your company purchased proof of these debts and attempted to collect. Many people fell into the trap of the scam, and paid out monies they did not owe. It was others, like us, that asked questions and determined the true intent of Mr. David, Mr. Savage and others. And knowing what we know of the illegal activities of the afore mentioned lawyers, we are here to inform people of their rights.

I have paid many a debt. I have gone through a time in my life when money was very tight and I had a few collection agencies calling me. Many were very nice, informed me of what was due, for whom, and worked with me on a payment plan. They are a credit to the industry and an absolute dream to work with. And I told them so.

Your company does not fall into that category. Maybe if you got my file, it would have been different (and I would have double-paid a bill). But now I know the truth, and so willl everyone else.

Well written Jedijeff13 - I second and agree with everything you wrote.

Great job on group efforts here on this forum with researching and posting all information found so that everyone knows the truth and their rights.

Jedijeff13, JJ, Sapphiredreams, Guest, Guest8 you are a valuable asset to this forum - keep up the great work!

Goodbye Charline, good luck. Hopefully if you last working with a company like Paul Kuperstein's you can set this company straight once and for all.

spam message deleted

EM and FG are connected somehow with the scam. I have recently been contacted by a "Mr David" from the Law Office of Paul Kupferstein . . . he claims I owe some company i have never heard of $1000+ . . . however he refuses to send me documentation validating the debt, alleging that he is not "required" to. No legitimate law firm would fail to do such, and sue someone instead, esp if the law firm is in Canada and the suit is to be filed in the States. . . the costs of such a suit would be much much more than the effort and expenses it would take to merely send someone proof of the alleged debt. IT IS A SCAM.

FrankyJD, please contact me at 905-474-3535 ext. 513 so that I may assist you with this matter.
Charline

I received a voicemail(which I have saved)on my work phone number on June 15, 2006. A Mr. Sargeant indicated to me that there was a pending lawsuit against me and requested me to call 905-474-3535 immediately to resolve this urgent matter. The call just did not seem right, so I figured I would pull some information on this so-called lawfirm from the internet when I got home. I am very glad I did, thanks to all of you that have encountered this 'lawfirm'. I have tried to call the RCMP Phonebusters, but they are closed for the day. I will call tomorrow to report these guys.
Thanks!

You are very unprofessional especially when you are asked to provide backup of your 'claim', there was no need to yell and carry on the way you did! Oh and BTW: 'In Alberta, Canada, the time available to sue is set out in the Limitations Act. Generally speaking, individuals and companies have two years to file a lawsuit from the date they ought to have known they had potential for a lawsuit.' To all of you that have had harrassment from this Jack *ss, lets get this guy stopped! Enough is enough!

(x) pursue a non‑judgment debt where the last payment or written acknowledgement by the debtor is more than 6 years previous;
This clause is from the government of Alberta website, under Acts and Regulations section 12, subsection (x).
Contact me if you require assistance.
Charline 905-474-3535 ext. 513

Charline - could you please post a link to that? Because when I go to the Alberta gov't website, the closest I seem to find that fits your company's activities is this:

http://www.qp.gov.ab.ca/documents/regs/1999_194.cfm

And there is no subsection (x) under 12. I must be looking in the wrong spot, so if you could help me out, I would really appreciate it.

Also - I thought you guys were based in Markham, Ont. Your phone number verifies that. How does a law from the province of Alberta apply to your company?

Thanks jedijeff13 for the link! It appears as though Paul Kupferstein and ASS. is in default of a lot of the (Section 12)'Prohibited Practices,Prohibited practices for collection agencies' in the ALBERTA REGULATION 194/99 Fair Trading Act - COLLECTION AND DEBT REPAYMENT PRACTICES REGULATION. Charline, perhaps you should read the entire act as Mr. Sargeant apparently has not!! Also, the section of: Accounting 23.2(1) A collection agency must provide the debtor on request with a complete accounting of all the details of the debt and, if such an accounting is not in the possession of the collection agency, the agency must request that the creditor provide it. Please inform Mr. Sargeant that if he wants me to pay, then he is going to have to provide me with a paper copy of the backup of his so-called 'pending claim'! Also, I would like to see a copy of your Collection Agency license!!

Oh, and BTW 'Charline', I do not require any of your kind of "assistance" especially when you work for that so-called lawfirm! Thanks anyways!! Perhaps you should move to Alberta, there is no end to the jobs out here, I am sure you could work for a more reputable employer...

JediJeff13, I called the Alberta Government and they walked me through the website to find this information. I will find the site and post the walk through for you.
Giddy UP!!, I'm not the person you should be angry with.

Giddy Up!!, we are not a collection agency and therefore do not require a collection agency licence.
As well, it appears as though you may have looked up the fdcpa instead of the act that applies in Canada.

go to www.governmentservices.gov.ab.ca
click tap on top of page LEGISLATION
scroll down to Collection and Debt Repayment Practices HR/194/99 (blue print)
Queen's Printer appears at top of this page
scroll down to section 12 subsection (x)
The statute for limitations in the province of Alberta (which by the way applies to all provinces) is 6 years.
JediJeff13, if you have problems with this site please contact the government of Alberta at 780-427-2711 and they will connect you with the appropriate dept.

From what I can find in regards to your company it states you are a law firm/collection agency. That means if you are collecting in the United States, you have to follow the fdcpa laws.

Charline, it appears to me that you (or who you 'work' for)are a collection agency portraying yourselves as a law firm. If in fact that is the case, no reputable lawyer would behave as Mr. Sergeant has in my case. I have dealt with and I work with several lawyers and none of them would stoop so low!! If I do owe the money, I will contact the vendor myself and pay them directly. Why would I send money to an unknown 'firm' out in Eastern Canada when I could go pay the debt in cash and get a receipt immediately and have the paper documentation prior to me paying? There is 20 some pages here of complaints against your so-called firm. There is no doubt in my mind that this is a whole big scam. How you sleep at night is beyond me? You prey on the old and the weak! You should be ashamed of yourself! I am a firm believer in 'what goes around, comes around'!! Your time will come! Oh and one more thing, if the Government of Canada has a 2 year Statute of Limitations why would you expect me to believe that a Payday Loans collector would have 6 years?!?!?

Giddy UP!!, yes there are complaints, but there are complaints about many recovery companies on this forum - that doesn't make the complaints factual.
Statutes of Limitations are different for different things. In this particular case the limit is 6 years.
We don't prey on anyone, that's just a silly comment. The one who perhaps should be ashamed is you for not taking care of this matter before the file had to be sent to our office. We contact people that are indebted to our clients. The paralegals from the law office have a job to do, they don't say please - I know that. They hear every excuss in the book as to why people do not want to pay our clients back.
I encourage you to pay your bill, if you want to pay the client directly please do.
I'm not sure how many times I need to say that we are not a collection agency, nor do we pretend to be one. The Law Office is a law office that provides debt collection services.
Contact this vendor and ask them who represents them for their collections. If we were operating a "scam" how do you figure we got your information?
I wish you no ill will, you are clearly an unkind person.
Please pay the vendor, they will notify our office and your file will be close.
Charline 905-474-3535 ext. 513

Tammy,
We are not a law firm/collection agency we are a Law Office.

Thats weird. Here is what I have found.

Quote:

Haven't been here for a little bit but apparently they are still at it!

P.S. Great job Tammy!

Tammy, you've posted this because?...
All collection agencies and/or law firms that porvide recovery services receive complaints. Many people simply do not want to take care of their indebtedness and look very hard for ways to get out of paying. A complaint to the BBB is only one of many.
Charline 905-474-3535 ext. 513

I posted it to show that you are a collection agency/law firm. It clearly states additional names Law Office. So many collection agencies claim to be law offices to scare people into paying. If a law firm provides collection services, then they are bound by the laws of the fdcpa. In response to the BBB portion of your comment, people report to the BBB to receive help in dealing with shady businesses.

If you are a law office trying to collect debt, then you are a collection agency per U.S. laws...if you are trying to collect money from the U.S., then you must follow those laws. If you sue for the money, you must be licensed in the U.S. or hire an attorney in the U.S. to do it for you, good luck with that. I am sure no U.S. lawyer will touch this with a ten foot pole. Don't be stupid.

Many collection agencies get complaints, but the reputable ones resolve them, I think that might have been the point of Tammy's post from the BBB.

I doubt that when people call the BBB they are calling to complaing about a debt Charline. The reason people call the BBB is report unfair business practices that apparently your so called "law firm" in notorious for. I think Tammy posting that blurb about your law firm / collection agency answers some valid questions.

Looking back on this forum I recall reading that you were never going to post here again - change of mind?