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

Sorry for this long post. I am sitting here with my mouth open. I still can't believe I found this conversation thread.

I am in New York and am currently being threatened by Mr. David, as well. After beginning my son's adoption process, I found myself very tight financially and made the mistake of borrowing from 3 payday loan services to keep up with my bills and expenses. One of those was America's Cash Store (a.k.a My Trust Vault). When I began to experience difficulty in paying this loan back (which was collecting almost 50% interest every 2 weeks), I found out that this was not a valid company. It was a loan shark by the name of Mike Sipp a/k/a Mike Rogers. After trying numerous times to contact this guy on his cell phone and e-mail, he kept claiming that he "wasn't getting my calls or e-mails" and proceeded to garnish my salary for more than what he was actually owed.

This jerk was fired from his legitimate job in Renton, Washington for doing his loan sharking on the side from THEIR offices using THEIR phone and fax behind their back. After he is fired, he runs off to Canada. I recently got a new job and, in good faith, I call this idiot's cell trying to pay off the measly $187 that's left on my account. Again, I get messages from him on my answering machine pretending that he "hasn't heard from me in a while and is pursuing legal action." In comes Mr. David.

Mr. David is now claiming that he is collecting a debt on behalf of America's Cash, that they are a Canadian company, that he is suing me and is going to make me come to Court in Canada, that the fee owed is now $437 and, since I refuse to pay, they are going to sue me for $2,000 instead. I tried to explain to him that his client is a scam artist and I explained what I found out from his client's former employer.
Mr. David called me a liar, threatend to sue me for the $2,000 and hung up.

What he is ignoring is the fact that, before switching jobs, I worked at a law office. The law firm I worked for has record that an AMERICAN company was garnishing my wages, NOT a Canadian company. Plus, if he sues me for anything less than $6,000, it has to be heard in small claims AT THE COURT WHERE THE DEFENDANT RESIDES.

This guys is nuts. His client is nuts. The only reason I know about Mike Sipp/Mike Rogers' former employer is because he faxed stuff to MY employer and the company's name was on the fax header. I called there and spoke with his former supervisor. They've offered to help me with statements and affidavits, if necessary. They can't stand him.

Has anyone been successful in getting this Mr. David jerk off their backs, or does he continue to harrass people and make their lives miserable until you call an attorney?

Thanks for listening...

Good luck to everyone. ~Elle

America's Cash Store is a ligitimate company, a franchise of a much larger corporation. This 'jerk' loaned you money when you were in need. You didn't pay back your loan on time and interest was incurred. I know this file, as I spoke with Mr. Sipp today about it. I will send you your debt validation. I don't care who you worked for. However, If you do have a legal background you should know that you have committed a crime. You borrowed money on a contractual basis and you did not pay it back - in fact your wages had to be garnished.
Mr. David called you because you didn't pay this company back, instead of asking how to get him off your back, why not just pay back the money that you owe? If you have any further questions please do contact me.

erzeke1, you are not going to like my response to your post. You had an oportunity to work with the company before the file ended up either in our office or another recovery company. It is now our job to collect the money. It's not a nice business, but that is the way it goes. I totally understand that you don't like to be contacted by someone looking for money, I wouldn't like it either. Perhaps seek credit counselling assistance, but don't expect the person attempting to collect your debt to empathize with you.
Most companies do not want to have to resort to handing files over for collections, they would much rather work with their customers this way they stand a better chance of having this person return to do business again and they earn all of the money. When the customers won't work with them, say with payment plans, well then we call you - and we don't like payment plans - that option is no longer available. I'm not expecting any of you to like it, but debt doesn't just happen over night, failure to pay goes on for months, sometimes years before files make it to our office.
I highly recommend that you work with the companies that you owe money to before they have to resort to law offices or collection agencies. Nice time is over, this is our business. I hear the telephone conversations and harrassment does not occur, firm and direct is the tone.
All of the people here claim that they would pay back their debt, and that they just want someone to work with them - but the reality is that most of the people that are contacted become extremely abusive to the staff at our office even before much is said. I have several people tell me that they are going to come to the office and kill us all - I'm not a collector by the way. We've had all sorts of rude, absolutely vile language used by people just because we left a message on their machines. You guys have no idea what being harrassed means, come work in a debt recovery environment and you'll experience harrassment!
I'm not trying to be mean, I just want to be honest. If you have had a situation with the law office please contact me and I will do what I can to assist you.

Charline..
I appreciate your well developed post. But at this time I do not have a file with your office, never had one, nor do I expect to at any time. The problem here lies with the insinuation that all of us on this forum are "deadbeat" debtors, etc...
My bills are paid on time, and I am happy to say that I'm free and clear of any and all collections.
I'm strictly here to assist those who have no knowledge of debt collection and want to share my experiences.
I'm certain your job brings many challenges and you have dealt with unsavory characters.
I have to say that most jobs in dealing with the public have these risks. In my line of work, I've had knives pulled on me, I've been pinched, slapped, spit on and other bodily excretions at my disposal. Not to mention the insults and personal verbal attacks. You'd be surprised at what I do that exposes me to such carnage.
Still I can not intimate that all my other clients will act this way, that would be slanderous and I would be of no use to my company.
Perhaps there's other employment that does not expose you to these situations.

You don't seem to understand - I TRIED many times to respond to Mr. Sipp and contact him via e-mail and cell phone (which was his only listed contact #). He kept calling me back as if he never got my messages. It became obvious to me that he was doing it on purpose thinking that if he played that game, he'd be able to sue me or garnish my wages on the grounds of non-responsiveness to his attempts. Regardless of who his small ???business??? is affiliated with, Mr. Sipp is a loan shark. And he IS a jerk. Excuse me for being blunt...but it's an honest assessment. There is no other way to describe someone who would put a person through all of this when they are actually TRYING to pay him back (but only what he is owed...not a penny more).

Like I said - this man was fired from his former "day-job" for using their phones and faxes to do illicit personal business behind their back. And when I tried to work something out with him, he kept pretending not to hear back from me and proceeded to try and get more money than what he is owed. This is how your client has done business. That's far from respectable???don't you think?

PLUS - AMERICAS CASH WAS AN AMERICAN COMPANY BASED OUT OF NEW CASTLE, WASHINGTON (Mr. Sipp's home) AND ALSO DOING BUSINESS FROM RENTON, WASHINGTON (Mr. Sipp's former ???day job???). If you have any documentation stating otherwise, then I am afraid it has been falsified. Like I said, just contact the office manager at my former law firm. They can tell you it was an American company that was garnishing my wages and they can give you an accurate accounting of what I owed when I left the company. Don't trust your client's word ??? he's lying to you. Look into what he is telling you.

I would hate to think that you are helping this man KNOWING that he's dishonest. I have his former employer's information, as I am sure you have. Call them ... research it if you don't believe me. I just spoke with them again today. They are aware of what he is up to and can fill you in on the truth of the matter.

I don't know what else to say except that I'm also not a "dead beat." I am a single Mom of an adopted teenage son. I have spent thousands of dollars trying to help him through this huge transition and I put myself in a very bad financial situation as a result. But I was never out to steal from or defraud anyone. Although I don't have much, I AM settling with my creditors by paying them as much as I am able until I'm back on my feet. However, I will not give your client a penny over what he is owed.

"I hear the telephone conversations and harrassment does not occur, firm and direct is the tone."

HAHA. Yeah -- good one Charline! Harrassment does not occur, huh? You're either an ignoramous or deaf. Go take a seat in Juan David's office today and listen to the way he handles the persons he calls. Text book definition of harrassment.

Elle..this wage garnishment you posted about? Did you go to court and did they get a judgement against you?
If not, it is absolutely INVALID! No way can anyone garnishee your wages without a judgement, except the IRS of course!
Charline?
Can you shed some light on this since you know about this case?

First, elle, if you would like to contact me at the law office I will assist you with your file. I will contact Mr. Sipp and request that he forward all validation of your alleged debt and we can go from there.
Second, erzeke1, elle's wages were not garnished by our office and yes I believe before any one can garnish wages you must first have a court order. Now the laws may very well differ from one State to another, but regardless of the specifics of the laws it's up to the court to make these decisions. The courts would also decide the total amount to be paid and the amount per pay to be garnished. If elle's wages were garnished without a court order I recommend she look into this.
and lastly, Mr. David. I don't know who you are, but unless you are the person on the other side of Mr. David's office and you are able to hear something that I don't - enough. I'm guessing that you are most likely the person that posted as me, and Norman with the note about the IP address attempting to somehow to link me to Jenna. You lie. I'm also very anxious to see if JJ has anything to say about your 'ignoramous' comment - he doesn't hesitate to pounce on my posts.

There are specific laws regarding garnishee anyone's wages..as well as a maximum allowed. If her wages were garnishee'd without a court order then the crime was not committed by elle, but by the alleged law office.
I would appreciate any help you can give elle, as this seems to be a real hardship for her and any assistance you can give her in straightening out this confusion would be most appeciated.

if you read elle post you would see that the garishee happened before the law office's involvement in her case. If you scan her post you will see it was by a MR. SIPP and a american company.

Thank you guest..I was just about to edit my post when you replied.
This Mr. Sipp garnisheed her wages then enlisted the law offices to continue to demand payment, is that correct Charline?

I do not have confirmation from Mr. Sipp about the specifics of this case. For confidential reasons I can no longer discuss this matter. Elle, if you would like to continue, please contact me and we will proceed. Should elle decide to update you on progress that will be at his/her discretion.

erzeke1 and Charline,

You are correct, a company CANNOT garnish your wages unless a judgement has been made against you by an officer of the court (judge).

Thanks folks. :)

Charline - I have tried calling your office and have shared all of this information with Mr. David, who then accused me of lying and hung up on me after threatening to sue for $2,000. How can he accuse me of lying when the information I gave him is so easy to verify? And why should calling your office turn out any differently now? I am done with the calls. I will correspond with you only in writing at this time???but thank you for offering to help. Feel free to write if your client wishes to rectify this situation. I really did try to settle this for only the balance owed???but your client just wants (or needs?) more money for some reason.

Ezerke - that is correct. Apparently, Mr. Sipp sent something official-looking to my office in order to start the garnishment - but I need to further investigate because as far as I know, no Court conference was ever held regarding this matter. If it was, I was never notified or offered the chance to attend. So - the papers that were given to my former employer may have been bogus. In which case *I* would have grounds for a lawsuit. And, yes - he is now proceeding with legal action to collect what really should be no more than a $180-190 balance. According to Mr. David, the balance has now grown to approx. $430 and, if I don't comply immediately, it may go up to $2,000.

But???like I said, I need to have the garnishment documents in my possession examined before confirming whether or not they were truly valid. Could be the elusive Mr. Sipp found some sort of legal loophole and went with it. This is nuts???it still boggles my mind how easily people can take advantage of someone in hardship???and have absolutely no conscience about it at all.

No matter what Elle, unless he has a court order in his hot little hands given to your employer..no one should be taking money from your paycheck! If they do, then I would contact the IRS, and the Attorney General's office in your state immediately, as well as your personal attorney! There's a ton of lawyers who would eat this up!
Hopefully this firm lender didn't do this, then he's in a heap of big trouble!
Apparently this Mr.Sipp is playing some games here, however your move to accept correspondence in writing is a smart one!
If this was an online payday lender, then lets see if they are licensed in your state, and should they try to sue, then they must come to you. I doubt that they will if they are not legit!
As for this collection firm...I have some doubts about this also, but let's give them the benefit of the doubt here and see if they comply with your requests in a reasonable amount of time. If not, as I told you in our private conversation, speak with your lawyer.
Remember you have rights under fdcpa!!!!!

OK???the plot thickens.

After getting some help with my research, I discover that the ???larger entity??? that Mr. Sipp's company is franchised/affiliated with is a company called ???Cash Now.??? Though Mr. Sipp's ???America's Cash Store??? was being run out of Washington State, his ???parent company??? (Cash Now) has a ???Head Canadian Office??? in Toronto, Ontario.

Long story short, I log onto BBB to follow up on the complaint I filed against Kupferstein's office and the following names are listed as Kupferstein's ???DBA??? aliases:

Additional DBA Names:
Brian Belmont LLB
Paul Kupferstein Barrister & Solicitor
International Billing and Recovery Services Inc
Liability Solutions Inc
Cash Now Capital

See anything familiar? :( What the heck is going on here?

If you obtained this loan at the America's Cash Store in Washington state, they have specific laws regarding pdls.
Check out their website:
http://www.dfi.wa.gov/consumers/paydaywp.htm

Elle,
I would contact them and let them know what's going on. If they are licensed there they may have violated several laws. Also contact their Financial Crimes Division at the Prof. Regulation Offices locally. Someone will talk with you and help!

Also, these places always have several aliases in and out of this country. This how they get around state laws.
They must abide by the law of the state YOU ARE IN!!!!

Elle, that is very interesting what you found ... so Paul Kupferstein is DBA Cash Now Capital? And Mr. Sipp's company is a subsidiary of Cash Now?? Something very very very fishy! Nice work.

You guys are too much! It's amazing how you pull information together and somehow you manage to link it into a chain. Actually, it's kind of funny to read some of these posts - I'm trying to figure out how you put 2 + 2 together and somehow you got 5?
If I'm not mistaken more than one of you actually said that you are or had been employed by a law office - exactly what type of law?
Forgive me, but these past few posts display a hugh lack of smarts (?) for lack of a better word.

The BBB is somewhat of a joke. The law office does not do business as Cash Now Capital. Lord, they must get their information from the same place many of you do. I will contact the BBB and sort them out. God help us all!

Charline, can I ask you why you feel the need to keep on responding/posting in this forum? If the company you work for is totally legit and by the book, etc., why is it that you keep on coming back and defending its practices??

because there are people like you that lie.

Charline,
Sure would appreciate some truth for someone in the biz!
Think you can handle it?

What have I lied about Charline?

A man by the name of "Mr. Shaw" called me from this law office at work this evening, and told me i have an outstanding balance of $287 dollars i couldnt understand the company name he said because everytime i asked him to repeat himself he mumbled, i know i have a payday loan, infact i have two and right now, they are upto date, and neither one of them is in that ammount at first i thought he was serious then i thought, well why wouldnt they go through collections first, and why would i have to send the lawyer office money? he has also threatened to serve me papers if it isnt paid by tomorrow at 12, but first it was today and five then all of a sudden it was tomorrow at 10..Put me in jail? then i wont have a job and no one would get money:) I also know i HAD a outstanding debt with another payday loan company, BUT their legal department took it out of my account without my knowing it upset me, but i owed them money and they had the right to take it because i was irresponsible, this "Mr. shaw" had me very upset at work today because i didnt know what in the hell was going on, but after googling "Paul Kuferstein" and reading about all these ppl who "owe" money i said F**K this guy i dont think so!

Thanks to good ole google.com i found this fourm and my money, is MY money and i work damn hard for it tomorrow morning when i wake up i am calling the RCMP phonebusters and all the other numbers you guys have posted, this guy is not getting my money and i WILL do anything that i can to exploit him, this is wrong, he was being cocky with my boss, who almost fired me because of him

ha ha i didnt mean to put that up a buncha of times but it said it wasnt working sorry guys

Do you see the pattern here?

Someone borrows $300. They payback $500 and have to default owing say $180. Collections calls and wants $430 and then thretens to sue for $2000.

$300 in minus $500 minus the $430 thats $930 paid back on a $300 loan. Why can't you guys just leave it at $500 and accept $200 profit?

There was one thread on here where a PDL actually took a guy to court and the judge ordered the PDL to pay him for the excessive fees that he had already paid.

We work withing laws in this country. There are maximum amounts that you are allowed to charge and you cannot charge anymore than that. Thats why these cases do not go to court.

I can type up anything I want and call it a legal document. I can type up something authorizing someone to rob a bank. Does that make it legal?

Charline - I am quoting a sentence you typed in a previous posting.

"If I'm not mistaken more than one of you actually said that you are or had been employed by a law office - exactly what type of law?"

Well, considering where this source/sentence is coming from, I guess these people who said they have worked or work for a law firm must be in the same type of legal atmosphere you are, a boggus one!

There are people who do work for legit law firms!

How low can you go?!

This post from Jaimie for example, he states Mr. Shaw said he would put him in jail - if you don't want to pay your bills, whatever, but to come on this forum and post such garbage is - I don't even know what to say anymore! This is getting so these posts are so out there. Jaimie, if you truly could not understand Mr. Shaw - contact me and I assure you I will speak very slowly and clearly so you understand everything that is said.
It's okay, I know Jaimie won't call because he doesn't want to pay, just like not one of you called because you don't want to pay either.
So glad you found this post Jaimie, so you could somehow feel justified not paying the company that you owed money to. You all think you are pulling a fast one on the law office, but it's the companies that provided you with a service that your ultimately doing damage.
Mr. David - why don't you call me at the office and we can have this talk - that is after you tell me who you really are and you give me your case number and you pay your bill.

Just a suggestion here. You people who are having problems with this supposed law firm, check your state laws regarding recording phone calls and start recording the calls. We all know that damage control is all that Charlene is doing here.

Charline, Jaimie is not the only one that your firm has threatened jail time with - if you go back, you'll see that it has been done to many - so what does that tell you exactly! Oh that's right, we are all lying and you are the only one telling the truth.

The only garbage being posted on this forum is the lies and denial coming from your posts stating that your company is legit and operates legitimately and that no one has ever conducted themselves the way people are saying they do here on this forum. Well shame on us, we must all be liars and you and your office are the only ones who speak the truth - now that is a load of "garbage".

Your office has threatened people in not just stating jail time - look back on the forum and you'll see what other scare tactics they TRY and use.

The threats go on and on and apparently have never stopped and still continue.

Operate a business legally and you wouldn't encounter these statements of truth from many people throughout United States and Canada. Common sense!

Charline,
Can you elaborate a little more on these "lies" you believe are being posted?
Are you saying that no representatives of your company has ever called these clients and used "unsavory" tactics to get them to pay?
Again, I'll ask you why is it so hard to get these people what they ask for in writing?
Any legitimate collection company would be happy to send the client a breakdown of his payments and moneys owed.
I don't understand why you're here picking apart posts and making slanderous comments, you certainly aren't helping matters.
Youre posts are discriminatory and to say the least, bordering on the same harrassment experienced by the phone calls.
Can you possible give us some professional advice or not?
If you can't maintain a modicum of decorum here, then you have just proved all these people right and your information will fall on deaf ears.

I went to the cash store to see what this fuss was all about, i tried being nice but nice was getting me no where i was being a total bitch to these ppl they werent telling me anything about this law office simply because they claim that they cannot handle my "case" anymoreit turns out i did owe them money, i was very weary about sending it to this mans law office but according to the girls over at the cash store they are indeed a law firm and apparently they do come to windsor to serve ppl with court papers, i paid it, now i know yall are gonna say im a moron for doing it i know i am, i have no problem admitting it lol but even still i DID infact owe them money so we'll just have to see what happens

first of all im a chick thanks...And for your information mr shaw did not tell me what company he was representing, i figured it was TCS so i went to them this morning, it turns out i did owe them money so i sent it where they told me to, they did in fact give me the same number mr shaw called me from, i was getting angry because of the way he spoke to me in such unprofessional manner. You people don't know me or anything about me, you just know i fell behind on my bills, so instead of acting like a bunch of **** try talking to people in a professional mannerwhen people are being rude to me especially people i owe money to their attitude angers me and makes me pissed off which makes me not pay them, so maybe just maybe if you guys can take your "jobs" a little more seriously you might get a cent from people...Just a thought...


[color=Red]****Adult term removed - Jason[/color]b

Charline:

The law office I worked for is actually a fairly large one with a great reputation. I am still on excellent terms with them and they have offered to help me with this situation should it become necessary for me to retain legal counsel.

I have reviewed my posts. I apologize if I missed something, but I don't see where I have done anything wrong or ???not smart.??? I have never been officially served, so there is nothing confidentiality-wise that I am doing wrong here. I am not an attorney, so I am not breaching any attorney-client privilege. Nothing that was written in my posts is slanderous. Merely an honest re-counting of my personal experience with your firm and your client. My original post here was written when I was still upset, so I did call a couple of people names. But, considering the circumstances, I am sure you can understand why I was so irate with them. The contact and d/b/a information that I have found on your client and your firm is either: (a) information that your own client provided to me; or (b) public information found on the internet that is available for all to see. So???no breach there. (??)

As for my putting 2 + 2 together to make 5, your client's webpage (americascashstore.com) has an animation on it that clearly welcomes visitors to ???Cash Now.??? When you go to CashNow.com's webpage, it lists its Canadian contact office as being in Ontario. On the BBB webpage for your Firm, it clearly lists the DBA names that Mr. Kupferstein does business under. ???Cash Now Capital??? is listed as one of Mr. Kupferstein's DBAs. As far as I know, the BBB researches corporate info (Tax ID Nos., filing information, etc.) before listing company names as official DBAs (at least, this is what an attorney at the FTC told me). So, until the BBB removes this information from Kupferstein's page, you cannot blame me for accepting it and for believing that your firm IS indeed the parent company of Mr. Sipp's franchise. According to your post of June 26th, ???America's Cash Store is a ligitimate company, a franchise of a much larger corporation.??? Funny that you wouldn't mention it's one of your firm's DBAs. How can you make fun of me for being surprised (and a little upset) by this discovery?

Dont care anymore's post sounds a little fishy.

Elle, don't beat yourself up about this or take anything Charline says personally, EVER. Look at where the source is coming from. You will never reach these people on a normal basis - they see only one side - their side which is the illegal and and wrong side.

Elle, there are so many untruths posted on this forum, it truly is hard to keep up with everything. I have no idea why the BBB has Cash Now Capital as a DBA for Paul Kupferstein - it's not, absolutely not. Bottom line is that you all keep posting that we are illegal and that we are a scam. We've been in business for many, many years and if we were illegal we would have been shut down long ago. If anyone posts here that they had an okay experience dealing with the law office then everyone jumps down my throat. It is funny at times when I read these posts and try to figure out how some of you come to the conslusions that you come to.
I've offered to get to the bottom of situations for many of you, but not one of you has called.
You can call me anytime for the answers that you are looking for, until then if you wish to continue and correspond with the people of this forum and take their advise - then do.
Someone posted as me saying that I was fired, someone else posted saying that an IP addressed was tracked and that I was pretending to be someone that posted a few days ago named Jenna, someone else posted saying that staff of Paul Kupferstein's office weren't his staff or something like that.
So many of these posts are by the same person changing their name to make it seem as though there are so many people that have been wronged - it's kind of sad that people would go to such lengths. All I've done is try to help - but no one wanted to call and I can only 'guess' that it's because they don't want me to post the truth.
Then there are the clever few who say Charline is just trying to do damage control, what damage control - I've only corrected what's been posted in an untruthful manner.
This isn't directed at you Elle, but I wouldn't want to know the people that post on this forum on a personal level, they lie and are mean and down right nasty.
Elle, Do what you think is best, and congratulations on the adoption of your son.

Ok Charline, enough. If you have a purpose here, then great. But I see so much of the questions being answered the same way. If you actually did your job, you wouldn't have time to be on here responding every hour of the day. I have read posts where people have contacted your office and have been harassed. I am the one who made the comment of damage control and that is just exactly what you are doing. You are not fooling anyone here.

Well said Tammy!

But unfortunately you are preaching to deaf ears.

Tammy my dear, not one has called me!

I had received a call from the law office about an unpaid pay day loan that I got about a year ago. I ran into hard times and didn't pay it back. I ended up moving and thought that I was in the clear. The law office found me and now they've served me papers to appear in court! Should I just pay the company back the money? What should I do?

Charlene, I am not your dear. I am writing in this topic because you are avoiding the issue of the problem. Ignoring certain questions and constantly repeating the same answers. Be fair to these people and answer their questions. Many have stated they have called you, but yet you claim that none have called. None of us believe the crap your spreading, so quit the damage control and validate the debts and be fair to the people.

I think you people are wasting your time trying to convince this Charlene of anything. Her position is so weak that she does not even bother getting an account.

These are the type of collecion people that cannot get legit jobs so they work where they can. Low paid, lots of abuse. Going home each night knowing that you are like a virus on society. Contributing nothing meaningfull or beneficial. Just tearing down mankind and causing grife wherever they can.

Type of people that are not happy with their lives and can't stand to see anyone doing better than them. Thats why they try to cause problems where you work. If you have a better job than them then they want to get you fired. Conterproductive to getting money from you but its the power that counts.

Many of us were or are trapped in the PDL cycle trying to get out. Imagine working there? How can you apply for a legit job and use where you work as a reference? What legit collection agency would hire you?

Bottom line. Charlene has all the paperwork in front of her. She knows exactly how much you have already paid which is most likely 2-3 times the amount that you loaned for.
And yet she still is calling up deadbeats, telling us to payup. You agreed to this illegal contract. I know we cannot actually sue so the only course we have is to make your life as miserable as we can. Maybe even as miserable as their own if they are lucky.

Well, Charlene - I did call today and asked for you. It went to your voice mail and then instead of letting me leave a message it sent me back to the main directory. I then tried Mr. Kupferstein extension -- same thing. I then tried "Mr. David"..and you know what? He answered! I then told him who I was (name, etc.) ... (you keep on saying 'File number' or whatever, but, of course, I have no idea what that is).. after being put on hold for at least 5 minutes Mr David came back and said he knows who I am, and who I supposedly owe money to....then when, FOR THE 5th TIME, i asked for verification HE REFUSED and said that I should be getting served by a representative in my state any day now. When I tried to ask again for validiation he said that he has no obligation to give that to me and literally hung up on me. I tried Charlene.. I really did. But, after today I know now that yall are not legal. Seriously, I you meaning to tell me that only you can give me validation of my debt??? That is one screwed up company you work for if so!

THIS IS ALL THE TOTAL TRUTH.

Mr. David - you should see if you can record those calls. Check to see if you have to notify him in your States laws 1st.

Yes, I'm sure you are telling the truth Mr. David. God knows you've not told any untruths on this forum before.

Charline:

Thanks for your good wishes.

May I propose something? You say you know who I am and that you are familiar with my file. Would it be possible, then, for YOU to call ME at the numbers listed on my file...if you are truly willing to help? If I know that it is YOU and not "Mr. David" calling, then I will take the call and we can discuss this ??? on one condition: that you treat me with respect and compassion ??? not abuse. I don't think that's asking for too much.

But as I have stated before...and I can definitely speak for myself in saying I am not lying....I will not call your firm again on my own if I am only going to be bounced over to Mr. David and treated as I personally have been treated thus far: talked around in circles, verbally abused, and hung up on. It's too unnerving and frustrating ... and I have enough to deal with in my life right now. Plus, it would be a waste of good long-distance dollars. And Lord knows I need every penny.

Thanks.

P.S. ??? If you agree to do this, it would be a good thing to plan a specific date and time for the call in order to make sure I'm available to receive it.

Charlene why is it that Mr David cannot give me validation???