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

Date: Wed, 11/30/2005 - 09:24
Submitted by on Wed, 11/30/2005 - 09:24
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If you and your computer have ever had the misfortune of being attacked by a Trojan Dialer specific to 900 numbers, you more than likely have been dealing with the likes of EBSI (Enhanced Billing Services Inc) & Integretel (Both are Billing Aggregators) from entries on your phone bill. They are representing the internet scam outfits such as MMI Communications , Information Services and Live Interactive to name a few.
Unauthorized and evasive charges have been placed there by these organizations via the malicious dialer which accesses international 900 number sites. The only time when you are made aware of this activity is when you receive your monthly telephone bill.
The general rule of thumb is: when you challenge these bozo's (Aggregators) after their uneducated telephone reps accuse you or someone else in your household of accessing pornograhic websites, they tend to back down and credit your account (without any word of apology of course). You would tend to believe that this was the end of the matter.

Not so I am afraid, because waiting in the wings, months later are the lowlife bottom feeding debt collectors. These unsrupolous characters buy up old telephone records and debt from even more unscrupolous vendors and go after for what they can get. This is where you may have had a call from a Mr.David or others threatening you with lawsuits, disconnecting your phone line and further harrassment, without fully identifying himself or their client, which is the law.
If you do not challenge this moron on initial contact he may stay on the line long enough to tell you he represents the law firm of a Paul Kupferstein & Associates. Otherwise, he hangs up. The phone number they tend to call on is (905) 474 3535. Investigation of the number gives the address as follows:

Liability Solutions Inc
4981 HWY 7 East
Unit 12A, Suite 267
Markham, Ontario
L3R 1N1 Canada

Thats right Canada, They are also located at several other addresses including PO Boxes, and they are all located in the Markham area. They tend to move around a lot! For peace of mind call the RCMP Phonebusters 1-888-495-8501 or Recol 1(888) 495-8501 hotlines (same number) and your State Attorney General. The Law Society of Upper Canada are also very interested to hear from you. (416) 947 3310. They and the RCMP are very much aware of the activities of these scam artists in their area. This is total fraud and none of it would stand in a court of law. They are preying on vulnerability and fear using scripted scare tactics. Just ask your Attorney Generals office.

This thread has been started to put a case history together on victims and consumers they have targeted. If you are a victim please highlight your case on this forum so that we can get a portfolio of sorts on these crooks, and present it to the relevant authorities, and for general peace of mind. The more people who make complaints the more likely they will get investigated and have their illegal operation shut down. Take note they will infiltrate this forum with bogus victims who apparently ended up paying them after going through the courts. It does not happen! For further information on Kuperferstein and Co. check out further listings about them on this website through the following link:

http://www.debtconsolidationcare.com/forums/about2990.html

Quote:
Fear is the Key......Lets unlock it!


under US Federal Case Law, law firms dealing with debt collection are acting as collectors if they receive the debt for the purpose of collecting the debt as opposed to litigating the debt.. in other words If I hire an attorney to sue to collect a debt for me they are acting as an attorney.. If I hire an attorney to collect a debt they are acting as a collector...


Submitted by jj on Thu, 06/22/2006 - 11:24

jj

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Charline, would you ask Mr. Sargent and Mr. David to answer one question for us:

Why, when we asked them to send proof of debt did they refuse?

We can make all the claims about this law and that law, US vs. Canada. One simple fact is that both laws state that proof of the debt MUST be provided when requested. Why did they refuse to send proof and instead threaten us with court and jail? I pay all my bills, but I will not pay a bill where the collector refuses to send me a bill.

Paul Kupferstein & Associates and Liability Solutions, Inc are collection agencies - all the proof is out there. Make whatever claims you want, the fact is we have shown proof of what your company really is.

And no Charline, I don't have to call you. You know I have no debt with your company. I just want to know why when I asked Mr. David to send me proof, he refused, threatened and hung up? And no, I will not call him. Not unless you give me either a toll free number, or better yet, his home number.


Submitted by jedijeff13 on Fri, 06/23/2006 - 13:58

jedijeff13

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I just got a call today and was absolutely freaked out that I was being sued. So, exact actions should I pursure? Should I not bother to call back? Ignore their future calls?


Submitted by on Mon, 06/26/2006 - 17:07

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Hi jockman811, I received a call 2 weeks ago or so, thank goodness I found this site!! I called Mr. Sargent back and asked him if he could send me the outstanding claim in writing and I would be happy to pay it. I then informed him that I was aware of this sight and he started yelling at me. It was brutal, so I hung up. I have not heard from him again. They cannot take you to court without providing you with documentation. I would not pay anything until I have something in writing! I also told them that I would not send them any money and that I would just pay the creditor directly....


Submitted by on Mon, 06/26/2006 - 20:22

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IF he calls back, just simply ask for proof of the debt be sent to you. You need to know the creditor's name and the amount. Asking for that should be enough to set him off with threats and intimidation. Ignore them - by US and Canadian law, he is required to send you proof of the debt via postal mail. And until he does, he has no rights over you.


Submitted by jedijeff13 on Tue, 06/27/2006 - 04:52

jedijeff13

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In one of Charline's replies she stated that they were governed by The Law Society of Upper Canada. However if you go to their website, the company she works for is not listed. I have gotten two phone calls from them and I know they are not real. I have tried contacting them three times now and to no avail. I have already dealt with several issues with Canada and their financial laws. Just thought that you might want to check out the website that they are stating they are a part of.

http://www.lsuc.on.ca/index_en.html


Submitted by on Thu, 06/29/2006 - 16:20

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Charline - I would LOVE to give you a reference case number, but as I have said many times in this thread, that information was never given to me when requested.

Plus - my question is really fairly general that doesn't require any case number. Let me mention again what I would like you to ask:

Why did they refuse to send me, and other here, documentation when asked?

And if for some reason that question just seems impossible to answer without a case number, how about a followup question:

Why did Mr. David stop calling me when I told him I thought he was trying to scam me? If it was a real debt, and your company was retained to collect the debt (over $2000 with fees and all), I would think that would be far too large a debt for a company to write off. And since I never sent any money, I would have thought I would have been taken to court by now, since I was threate.....I mean, informed in a kind and pleasant tone, that court papers would be filled on me by the end of the week. Are weeks in Canada much longer than those here in the US? Cuz it's been about 4 months since Mr. David last called me.

Anyway, I'll be here waiting for their reply. Thanks Charline - you're the best!


Submitted by jedijeff13 on Fri, 06/30/2006 - 04:56

jedijeff13

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I have never stated that the law office of Mr. Paul Kupferstein is on the web site for the Law Society of Upper Canada. I'm not going to go back and list each post, I suggest you re-read. I assure you if you call the law office at 905-474-3535 you will be directed to the appropriate associate.
Jedifeff13, without being able to reveiw your case I'm not able to determine why the information you had requested was not provided to you. Neither of these gentlemen know who you are, so they are not able to give answers either.
We do have several cases under review, and we do litigate. Whether we choose to litigate or not depends on many things, of which I'm not going to discuss on this forum as this information is for obvious reason confidential.
Mr. David didn't cease communications with you because you told him you thought he was trying to scam you, he would have most likely noted legal action on this file, and then he would no longer contact this file.
Happy Canada Day, and 4th of July everyone!


Submitted by on Fri, 06/30/2006 - 07:20

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There is absolutely no reason why you - Charline cannot in just conversation possibly talk to Mr. David or Mr. Sargeant to find out the answers to jedijeff13's questions.

His question is definitely "fairly general" and it wouldn't take much to find out the answers. The questions are not complicated and are very general.

Are you going to tippy toe around this one to or just get it done and answer his questions. They are so basic to begin with. You don't need a case file to answer them - give me a break.


Submitted by on Fri, 06/30/2006 - 07:47

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Charline....

I must not have expressed myself well enough. I wanted you to ask THEM why they didn't send the documentaton and instead threatened me. You answered for them, and since you obviously did not handle my case, cuz you have told us time and time again of your attention to detail, you really wouldn't be able to speak for them. So, I am sure you guys are very busy following Alberta law in Ontario (just like I follow Alaska law in my home state) and collecting debts from us low life scum, but maybe on his lunch Mr. David or Mr. Sargent could respond?

Ya know, when you think of it, there is NO reason the info was not provided to me. Since the laws in both the US and Canada require that written proof of debt be provided upon request, there shouldn't be anything noted in any file as to why it was not sent to me. The way I see it, the call should have gone something like this:

"Mr. xxxx? My name is Mr. David from Liability Solutions. You have a debt we are trying to collect in the amount of $xxxxx."
"Mr. David. I don't recall that debt. Could you send me proof of the amount and the creditor?"
"Mr. xxxx, it would be my pleasure to send that to you. Let me verify your address."

See - THAT is how it is supposed to work. But instead, it went something more like this:

"I am Mr. David from Liability Solutions. You have a debt of $xxxxx you owe. When can I expect payment?"
"Mr. David, I don't recall this debt. Could you send me proof?"
"I DON'T HAVE TO SEND YOU PROOF! SEND ME $xxxxx BY WESTERN UNION OR I WILL SEE YOU IN COURT!"
"I would pay this debt but I don't recal...."
"PAY IT OR I WILL SUE YOU!!!"

I might be summing up a bit, but that was the basic idea.


Submitted by jedijeff13 on Fri, 06/30/2006 - 09:22

jedijeff13

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Are you serious? Do you have any idea how many people on a daily,weekly or monthly basis our paralegals speak with? You are expecting them to remember one person that claims he was not provided with a debt validation? I mean no disrespect, but you have to stop with this sillyness. Each of these men probably speak with a least 200 different people on a daily basis - they've long forgotten about this matter if in deed it ever happened.
I'm being told that no debt validation was given, but I'm not able to confirm or deny this matter because no one can give me any information. There is a file somewhere in our office other wise no call would have been made in the first place. No can give me their name, a file number or anything that will give me even a hint of who they are so I can check these files. I can't get blood from a stone.
Say I ask Mr. S or Mr. D "why did you not provide the requested debt validation to jedifeff13, or to Guest, or to Intimidated?" - what do you suppose thier response would be?
I have done all I can possible do, without looking at the files in question I can not do anything.
Charline


Submitted by on Fri, 06/30/2006 - 09:26

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Actually, I am dead serious. Why would they "provide it for other people", which is what you would claim, but everyone else on here they can't send and only threaten. Do you notice that more and more people post with the same story over and over? But I might just humor myself and call you today.

oh, and Charline, I DO have the time to go back and read al the posts. You did reference the Upper Law Society of Canada:

Posted: 31 May 2006 14:09 Post subject:
We are a Law Office located in Ontario Canada. We are governed by the Law Society of Upper Canada. My name is Charline and you can reach me at 905-474-3535.
You'll need your file number.

Middle of http://www.debtconsolidationcare.com/forums/paul-kupferstein-15.html


Submitted by jedijeff13 on Fri, 06/30/2006 - 09:34

jedijeff13

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Though I haven't posted in a long time, I watch this site daily.
Charline-
You say that how are Mr. D and Mr. S suppose to give requested debt validation to Jeff13, etc.? Well, I received a call from Mr. David and after being screamed at and told that he wanted to talk to my attorney, I did just that. I hired an attorney for this mess. My attorney asked Mr. David for any and all debt validation they had on me as well as proof of any and all measures that have been taken to collect on the debt. Mr. David said he wouldn't release any info to my attorney until Mr. David received a letter of representation. My attorney did that and 7 months later, both me and my attorney are waiting for any and all info the law firm has on my case. Mr. David was given my case number as well as my name


Submitted by on Fri, 06/30/2006 - 09:36

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Call me and give me your names and case numbers (if you have one) and I'll answer all of your questions.
Yes jedijeff13 an A+ for you in math this year. Seldom does our day end in 8 short hours. Business is very good.
Charline


Submitted by on Fri, 06/30/2006 - 19:50

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The true facts are Kupferstein who continues to remain elusive has been well and truly GOOGLED!!!!
People they have targeted in the past and potential victims of these crooks have been educated to their tactics and intimidation. What we are now seeing is a desparate attempt to shore up the mess they created for themselves?

Potential clients for the Markham act are more than likely using this site for vetting purposes and do not like what they see. Business is NOT very good!


Submitted by on Sat, 07/01/2006 - 06:04

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I am so thankful to have found this site after searching the phone number to a very rude and uncooperative Mr. Sargeant. He threatened a law suit in an attempt to collect a $378 debt that is now being billed at $2,900. I asked for documentation, I asked for anything in writing, and I asked for a breakdown of this supposed bill. Mr. Sargeant danced in threatening circles around my questions, was sarcastic, rude, and frankly couldn't provide me with any information. He stated I will have the papers by last week. Still nothing. Is this a debt consolidation firm? is this a law firm that represents Canada? (I am in the States). Anything legit here?


Submitted by on Sat, 07/01/2006 - 23:14

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This is just unbelievable how you "Charline" keep coming back for more when you have nothing new to provide to anyone and you have stated on more than one occasion that you will not post here again - glutten for truth are we? Apparently you stil haven't seen the light yet - that is the one leading you through the tunnel away from Paul Kuperstein's boggus firm.

I just about fell off my chair when you stated that your office makes about a 200 calls per day. Then I thought for a moment that it may be true because your so called collegues don't stay on the phone long enough to justify anyones questions for validation. They stay on long enough to verbally harrass and then hang up after threating to "sue".

"Victim of Mr. Sargeant" - you will never see a single piece of paper from this law firm - EVER! They prey on people with their scare tactics in hopes that someone, anyone they contact will send them money. Don't worry, you asked the right questions to them - FOR VALIDATION and because you know your rights, they won't contact you again but move on to their next victim.

Guest78 - I agree 100% - business must be getting slow as they seem to be spending an awful amount of time of this forum trying to defend their illegimate actions.

P.S. Great posting jedijeff13 and Fed Up!

Let's see exactly how long it takes for them to post yet again - they'll never give up trying to defend themselves (until they hopefully get shut down or go out of business) and we'll never give up making sure everyone knows exactly what they are all about - con artists.

End of story Charline or will you come back for more.


Submitted by on Sun, 07/02/2006 - 14:02

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Try calling this number:

Paul Kupferstein
101-16 Esna Park Dr
Markham Ontario
L3R 5X1
Phone 905 470 9444
Fax 905 470 9449
Email address paul(at)kupferstein.com

This came directly from the member directory of the Law Society of Upper Canada. If this lawyer is acting in bad faith, please call the Law Society and they will investigate.


Submitted by PDL Investigator on Sun, 07/02/2006 - 17:48

PDL Investigator

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Just to let you know, in Ontario, if a Law Firm is acting as a debt collector, they do not have to be registered as a collection agency. Also, the paralegals that work for that law firm do not have to be licensed. This is the gray area that consumer advocates in Ontario are trying to change. Although, paralegals now have to carry insurance and be registered to practice as a paralegal in Ontario.

I am only mentioning this as I have to deal with a law firm on a bad debt in the past.


Submitted by PDL Investigator on Sun, 07/02/2006 - 17:57

PDL Investigator

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I really don't know the laws of Canada but I do know that the law firm tried collecting from me (I live in Texas) and 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.


Submitted by on Tue, 07/04/2006 - 17:41

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however for the a person to be sued , an attorney admitted to the bar in that state would be required. Additionally if the Law firm is in the business of collecting debts they 1) are considered a debt collector under federal law adn 20 may require licensure in some states


Submitted by jj on Thu, 07/06/2006 - 13:25

jj

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Guest,
I see what you are saying but you a preaching to deaf ears because this law firm does not operate legally.

No matter how you put it, they will keep on doing what they are doing because they have no morales.
We have all read over and over in this forum the laws, etc. I agree it's as if we are constantly going in circles here but that is mainly because no one can get a straight answer out of this firm - I am sick and tired of "Charline"'s posts telling everyone to call her - WHY will she not answer the simple questions that are asked on this forum? They are not complicated nor do they require a case file - hiding behind a keyboard and monitor is all it is - period!

As you can see she hasn't been on for awhile because it seems her bluff has been called a few times by participants on this forum - what does that tell you?

Answers to the questions that are brought up will remove going around in circles in this forum.


Submitted by on Thu, 07/06/2006 - 15:48

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Does "Charline" really exist???
Has anyone ever spoken to this person??

Please remember the infamous Mr. David aka Zack (and numerous other aliases)..... who these days appears to be gagged.... used to frequent this and "the other related thread" on a regular basis with assinine and ridiculous postings! "Charline's" only plus is the ability to string a sentence together!

Do we really want to believe that these "characters" have suddenly changed their ethical values???

While we are at it ....has anyone ever had the opportunity to have contact either verbally or written with the master himself.... Mr. P. Kupferstein... regarding any issue????

THINK ABOUT IT PEOPLE!


Submitted by on Thu, 07/06/2006 - 17:49

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Well, I called to Kupferstein and told them my case # and David just replied that there was a lawsuit for $2000 regarding an overdue balance with eWallet Express which I was unaware of. I called eWallet and verified that an overdue balance of $330 had been handed over to Kupferstein and that I needed to settle with them. When I asked for proof or verification form Kupferstein, David just said to have my lawyer call their office. AFter reading all the past entries, does Kupferstein even have the legal power to put a lawsuit against me when they are a law office within Canada? Should I even try to retain a laywer at this point? I definitely want to hear from people who have actually gone up against this Kupferstein.


Submitted by on Fri, 07/07/2006 - 14:04

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$2000 for a $330 overdue??? Now that is some ridiculous fees.

A - check with your local attorney general. Kupferstein must be registered to collect a debt in your state.

B - by law, if you ask for proof of debt, he HAS to send it. Don't listen too him when he says "have your lawyer contact me". That will get you nowhere, because even my lawyer calling did nothing. Both Canadian and US debt collection laws state that upon request, a collect MUST furnish proof of the debt, the debtor and explaination of the fees.


Submitted by jedijeff13 on Mon, 07/10/2006 - 05:49

jedijeff13

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Jockman 811, contact me at the office (905) 474-3535, contrary to the advise being given to you on this forum, eWallet will need to send you the verification of this matter. Since the file is now in our office eWallet will no longer deal with this matter. If you call me and let me know who you are, I will contact eWallet and request that they send you the necessary information.


Submitted by on Wed, 07/12/2006 - 16:58

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Quote:

eWallet will need to send you the verification of this matter. Since the file is now in our office eWallet will no longer deal with this matter.


Charline - you contradict yourself with that statement, and go against the debt collection acts of both the US & Cananda.

[quote]Per US law:
809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.[/quote]

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809

And from the Canadian law (summarized on the Ontario Ministry of Government website):
Quote:

The Ontario Ministry of Government Services consulted the collection industry to develop a standard to be followed by all collectors. Having a standard also allows the public to have a better understanding of what collection agencies can and can't do. The regulations forbid collection agencies from:

* Contacting you until six days have passed from sending you written notice of the following:

* The name of the creditor

* The balance owing

* The name of the agency and its authority to demand payment.

* Continuing to contact you if you did not receive the notice unless a second copy of the written notice is sent to an address provided by you, and then contact may only be made six days after sending notice.


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

Charline, since your company has been retained to collect the debt, you are now the "debt collector" per US law and the "collection agency" per Canadian law. In that regard, it is up to you to send out proof of debt, and not eWallet.


Submitted by jedijeff13 on Thu, 07/13/2006 - 05:34

jedijeff13

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eWallet transaction are processed electronically. They will not deal with the indebted consumer regarding their file as it has now been placed with the Law Office. Bottom line is - you want debt validation and I can provide this for you. In order for this to happen I need to communicate with eWallet and request they electronically send validation. You will get your debt validation at my request.
eWallet has sent out several requests for payment which were ignored, (everyone we speaks with claims to have never received anything) in a last ditch effort to still avoid paying they want yet again a debt validation notice.
We've heard it all, every excuss in the book. If someone wanted to honestly take care of their indebtedness, we never would have received the file in the first place.


Submitted by on Thu, 07/13/2006 - 11:22

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I've already wasted my time contacting your office and having David inform me that there was a lawsuit against me even though I requested validation of this debt or this lawsuit. I have the whole conversation recorded. Hey, FED UP should I even bother hiring a lawyer or is it going to be a total waste of my time and money? JJ, is Kupferstein even legally eligible to sue me since their law jurisdiction isn't even registered within my home state, let alone the United States? Anyways, what's the point of talking to you Charline when your co-workers don't seem to know how to listen or communicate intelligently beyond, "There's a lawsuit against you, have your lawyer contact us."


Submitted by on Sat, 07/15/2006 - 00:20

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If a file is handed over, then Kuperstein should have all the same documentation that eWallet Express has.

What are you trying to say Charline, that Ewallet said "hey, we'd like to hire you, here is a phone number, name, amount - now collect" but that they didn't provide you with any other particulars. Give me a break!

If you were hired by eWallet to collect the money and that you request the money be sent to you, then you should be one the one sending out debt validation. The company hired you, doesn't that mean you are the one in charge of this file now - why do you need to contact them back to authorize them to send out validation. Why on earth would a company hire you when in the end you are dumping the responsibility back on them to send out validation. They could have done that in the first place themselves and not needed you. They hired you to take charge of this account now take charge and send him validation or is it that this is another boggus scam out of this so called law firm.

How do you jump from $330.00 to $2000.00 - this one definately has SCAM written all over it. How do you explain the difference of amount Charline or are you going to come back with the same old comment "contact our office with your case number". I don't expect you to trying and justify this with an intelligent straight forward comment - you'll just beat around the bush again.

Don't do anything jockman811 until KUPERSTEIN sends you validation because they were the ones hired to collect, they should be the ones sending you validation - plain and simple.


Submitted by on Sat, 07/15/2006 - 06:43

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Jockman-
I hired a lawyer because nothing like this had ever happened to me and I knew I did't owe the money. My lawyer called Mr. David first and that got no where. All Mr. David would tell my lawyer is that he wouldn't talk to him unless my lawyer faxed over a letter of representation. My lawyer did that and asked for proof of the "debt" as well as proof of any and all intentions that had been taken in the past to try to collect this "debt." Months, months, months, months and more months later neither I nor my lawyer have heard from Mr. David.


Submitted by on Sat, 07/15/2006 - 12:13

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