Payday loan - what to do?

My attorney called Mr. David to inquire about what all is going on. Mr. David told my attorney that he wouldn't release any information to him without a letter of repsentation which my lawyer did. We haven't heard from him yet. My lawyer did ask what his name was and he said it was Juan David.

the sherriff office has been posting there card on my door.I won't answer it becuase we have a dog that gores crazy.My husband is 92 yrs. old and I 68 ihave written this law office that I take care of him because of cancer ,he is dying.his name is on our deed for our home and mine someone told me the sheriff can take my home and sell it the debt is only for 7,000 which we do not have we are both on ss.who can I talk to to find out if this is true.

Hi Sherry

Welcome to the forums.

Please know that wage garnishment is not legal in North Carolina, Texas, South Carolina and Pennsylvania to pay consumer debt. Only child support, student loans and IRS debt can be garnished in these states.

Apart, a legal notice is always sent with orders from the court and you are asked to appear in the court to defend yourself.

Regards
Roxette

Sherry
I don't know all the details of your situation, but it is doubtful that your home will be sold. Is this an unsecured debt? Was your home listed as collateral on the note?
If it's not a default on a home equity loan, or a home equity line of credit, I beleive that this MR. David is out of line to threaten selling your home.

I received a voice message from Mr. Sargeant, Law Office of Paul Kupferstein in reference to a file #. The voice tone of Mr. Sargeant's message was quite rude. I was confused and concerned about this message. For some reason, I felt that he probably contacted the wrong household. Something told me this was weird. I tried finding out info about the Law Office on the Internet. Luckly, I found quite a few sites re: Mr. Kupferstein. I then contacted my telephone provider and asked them questions about missuse of my phone line. They said that everything was fine and had no record of tampering. I still was concerned about the call. However, I feel that these people are crooks and scammers. I feel better now that I have done some research on them and know that other people have had the same odd experience with these people. Thanks for submitting these messages.

GG,

Reports these activities of Paul Kupferstein to the local attorney general office as well as the FTC and the BBB. Legal actions can only be taken after a large number of complaints have been filed against a particular company. I suggest everyone to fill the online complaint form at the FTC and the BBB. We are sure to expect some actions sooner.

I agree with Ben. Hope some axn will be taken against these bad guyz

These knuckleheads from Markham,ON Canada really believe they can frighten people with their false accusations and threats. It is time for innocent consumers to kick these scumbags out of business.

I had a call from the dimwit Mr. David (aka Zack, Mermer and other guest appearances in previous threads) today with the usual bullcrap of: you are going to be involved in a lawsuit citing the obligatory 900 number scam: see you in court: your phone line is going to be disconnected (yeah right...who thought of that brainstormer)blah, blah, blah! Of course no information on identity was coming forward from his end. After all he is only the monkey for the organ grinder at LSI and is reading from a script written by Spongebob Squarepants, it seems! This moron is not very good at his so called job....and should be fired on the spot for impersonating professional scammers.

Anyway I have already been in touch with several organizations both here in the States and Canada. The general advice is just to ignore them and pass on the information gathered, particulary to Phonebusters (RCMP Division), the Law Society of Upper Canada, the Federal Trade Commissionthe BBB etc. who are all listed in previous postings.

As for you Mr.David, you really should change your alias, as you and your cowardly cronies at LSI are getting quite a lot of exposure on the web and elsewhere. May I suggest Mr. I Crawled Out from Under a Cowpat for your next listing. :D
By the way, say hi to Jay from all of us.

My advice to victims: DO NOT be afraid of their crap threats. The law and consumer groups like this forum are on your side to fight this filth!!

ScamKicker :wink:

i know this post has been dead for a while but i found it while researching this paul kupferstein. i talked to a David Calls or something from this law office (supposed). it was also about 900 calls from the internet that weren't made. he threatened me with going to court if i didn't cooperate and when i said i refused since i could prove i didn't make those call (i didn't even have an internet connection at the time of the calls!) he said i'd be sued for $3100 and hung up on me. most definately must be a scam. i also hope that people read about it before paying them. thanks everyone for making me feel more comfortable!

Hi daybrokegray

Please go through the thread given below and post your comments. This thread has been started to put a case history together on victims and consumers they have targeted.

http://forums.debtcc.com/forums/paul-kupferstein.html

I came across an article on channel 2 from Houston. You'll have to find the link yourself. It describes exactly what we are describing here. It is very short but it is apparent this scam is widespread and is gaining the attention of the media.

Kupferstein, david, sargeant, and fellow pondlife....this for you......the heat is on!!!!!!!!

Mr. David called again today. My spouse talked to him briefly and then hung up on him. I've filed all the complaints I can against this place and I want them to stop calling - but they don't. With the publicity they've been getting I'm shocked that they are still operating. Maybe I need to step up my attack. Any suggestions?

Sandy

Make sure if you have any unpaid account with them. If they are calling you for money, you need to handle them according to the laws explained in the fdcpa.

If you don't owe them anything, there is no reason they should place the call to you.

Ben,

I'm suprised at your comments. You have joined in this discussion before and you know that we supspect these people are criminals running a scam. I think they keep calling because they don't really keep records so they just keep going through their list. As far as the fdcpa, these people have no regard for it. As I explained to Mr. David, the FDCPA requires that within 5 days of first contact, a written notice must be sent with regard to the debt owed. Mr. David flat out refused to send me anything and hung up on me. It has been two months since first contact and I have recieved nothing in writing, only abusive phone calls every few weeks. Since Mr. David says I owe $600, I think the next time he calls I'll tell him if he sends me $400(the difference between what he says I owe and what I can sue him for)I'll leave him alone.

All of you out there. DO NOT PAY THESE CROOKS. You are not alone, they have harrassed and intimitated lots of people other than yourself. The way it works is they use a scattergun approach. They buy old phone records, and call let's just say 80 people a day. If they can succeed and intimidate 40 of those people to pay them, that's money in their pocket. The remaining 40 they haven't been able to bully, we'll nothing lost, it just cost them a phone call. The people who supposedly got sued by them and had to pay also are their monkeys posting information into this forum to scare people off. Hang in there. Be strong. This is still America, as a consumer you have certain rights. It's a mind game they're playing, they'll tell you everything they can to scare you. They will not act per fdcpa rules because they're in Canada. That's why this is so screwed up, the US authorities won't go after them because they're in Canada, and the Canadian authorities will just not do anything. Period. I've already tried different venues. Keep posting to this forum to inform each other and avoid more people being victimized by these crooks.

Try plugging "names" with 'initial/s' into White Pages.com. You may find something interesting!!!!!!!!!!!!!!

I was contacted by a Mr. (and I use that loosely) Sargeant with regards a fraudulant debt which was committed against me in 2001. When I tried to explain he refused to listen and then when I asked him for his details for my lawyer to contact them he gave it to me, got angry because I wouldn't tell him my lawyers name and hung up. I then contacted Paul Kupferstein at his law office at 905-470-9444 and was able to speak with him and asked him if he was affiliated with this company and he said that they did the collections for his company. When I asked him if it was a third party collection agency he asked who I was which I happily told him. And I hung up. I have an appointment with my lawyer on Monday and am going to pursue legal action against Mr. Kupferstein for the aggrevation. If they would only do their research first they may be able to collect a lot more accounts with the THIRD PARTY COLLECTION AGENCY MENTALITY. But all Mr. Kupferstein and his hire hands are doing is pissing people off.

Please note: that most Canadians are not low life degenerates that these characters appear to be. And I will keep pursuing through all legal means to ensure that this company is brought out into the open.

GOOD LUCK TO ALL WHO ARE BEING SCAMMED BY THESE PEOPLE. IT IS IMPORTANT TO NOTE HERE THAT EVERYONE MEETS THERE MAKER AT THE END OF THEIR LIFE. HOW WILL THESE INDIVIDUALS ACCOUNT FOR THEIR ACTIONS!!

Sandy

Quote:

I too experience the same thing. If my boss had not told me this was fraud I would have sent the check. We googled the name and found out it is a scam. I have filed a complaint with the FTC and I just received their response and they are going to do an investigation.

Paul Kuperstein and Associates - Please call 905-474-3535, the offices where these morons work, as many times as you possibly can. For those of you with auto dialers, put this number on autodial and dial continously. I would suggest getting a calling card for $10 bucks and setting it up to call for an hour non stop. If their line are clogged they cannot do their eveil work.

i just paid them today.god dammit!

I reported Paul Kupferstein & Associates to The Law Society of Upper Canada. I received a letter today from Helena A. Jankovic, Intake Counsel, which states that "the Law Society is already taking regulatory action with respect to Mr. Kupferstein's practice."

I just received an email from the BBB regarding my complaint against Paul Kupferstein. The BBB didn't get a response from them. Imagine that!!!!!!! Everyone needs to put pressure on all the agencies we can to stop this from happening! I too received a letter from the Upper Law Society stating that they were closing my complaint because they were investigating. I would like to know how long they have been "investigating." I think some type of class action law suit needs to be filed against all of the parties associated with this scam.

:!: :!: :!: :!: :!: :!: :!: :!: :!: :!: :!:
I HEARD THAT THE rcmp in CANADA has already
investigated this office and you know what????

They found nothing WRONG!!!
THIS IS A COLLECTION AGENCY!!!!
WITH LAWYERS IN THEIR OFFICE......

The rcmp have found nothing wrong with the way they do
business, THAT reporter found out that the rcmp
have been there MANY times, and its is a REAL lawyers
office.

So that is that !!!
happy holidays to you all!!!!
:) :) :) :) :) :) :) :) :) :) :) :)

:) :) :) :) :) :) :) :) :) :) :) :) :) :)

And please dont forget not to drink when using a computer........

It seems that all of you are just babbling ......

Please dont not operate a computer if you are fat, drunk, old or h**ney (thats were the bad site come into play)

Happy new year...... Hopefully in 2006 none of you will
Download a bad site? (yah right)
:wink: :wink: :wink: :wink: :wink: :wink:

I can't believe Zack had time to post responses on this forum considering all the people he's trying to con out of money right now.
I think you need to get your facts straight about the reporter. She did sit down with a represetative from the Attorney's office and found that yes, indeed what you are doing is wrong!! You are NOT licensed to collect in the state of Texas. It seems you have a problem with the REAL facts.

We've all suspected Zack was Mr. David or one of the other low lifes working out of Kupferstein's office, he has confirmed it in the last couple posts he made. Considering his spelling, grammar and vocabulary, he'd better hope that the business he's working for does not get shut down because he certainly wouldn't qualify for any other job.

Hi Zack. Remember me? I posted in this thread back in October. Since the initial call from Kupferstein's office, we have had no contact. No letters and no calls. I've been watching the thread on and off for updates. What got me to reply today is your B.S. tactics to shame people into paying, claiming **** is what gets people into trouble, as you stated, "Please dont not operate a computer if you are fat, drunk, old or h**ney (thats were the bad site come into play)"

This was suggested to my wife when your office called. You can take my word, that is not what got your office calling me, it stemmed from a dialer virus that came from who knows where. Shame on us for getting lax when it came to updating our virus software. We learned our lesson. But shame on you for putting a cloud in my wife's mind that would have harmed our marriage if it wasn't for the fact I was able to research your scam. I shudder to think the damage you've done to others out of your greed. I genuinely hope you get your due.

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

Hang up the phone and never return a call from the Paul Kupferstein office, Paul does not exist except to take your money. Go to phonebusters.com and report them and tell everyone you know what they are up to. DO NOT SEND MONEY! The Canadian police said this office does not exist and the address you are mailing to is a parking lot in the local McDonald, Wal-Mart, ect...Who know the UPS or FED EX. delivery person could also be part of the group of low life.
I lost $330.00 to this group and will never be taken AGAIN! Peace from the USA, Missouri!

I've never received any such call yet. Thanks for the warning.

Does anyone have a mailing address for them. I have called several times with different scenarios to try to get an address, so that I can send them a letter informing them to validate the debt, however they REFUSE to give an address, but rather to have my attorney contact them. Anyones that can help me here is greatly appreciated.
Thanks in advance,

Duane

I to recieved a phone call to my moms house from a Steve Sargent From the law office of Paul Copperstein stating i owed 1200 to their client and was treatend with a lawsuit i requested a verification of debt (under fair debt act) and was told "I will see you in court" can't wait to get those court papers so i can counter sue for violation of fair debt act against Steve Sargent, Paul Cooperstein, limited liability and their client make them spend some money on their airfare. Thank god i found this forum anyone willing to file a class action against these people?

My daughter was threatened regarding an online g@mbling debt by this Sargent guy. He had her believing that if she didnot send a certified check for $379.83 by Fed Ex that day and call him with the Fed.Ex tracking number she would be sewed for $2000 at her local court house.
I actually had the check drawn and was on my way to send it when I got her dad who is a lawyer on the cell phone and he said don't send it.

Sargent described himself as a paralegal in the law firm that was representing Navaho Networks which apparently is an online money handler for online g@mbling. Online g@mbling is illegal in the USA.

i too received a call from Mr. David from Kupferstein & associates claiming unpaid 1-900 debts. It's been two weeks and no action from either party. Have not heard another word from them since 12/23/05. Has anyone ever been any further than just talking to them on the phone?

Oh yes, I was taken by Mr. David and the Kupferstein office. Unfortunately their scam worked very well on me because Mr. David gave me no time to think. Making his demands with deadlines that he receive a tracking number from UPS or FedEx that evening or legal action will be taken the next morning. We ignored the first two calls which added to his ammo because then he would say you received 2 calls and now legal fee's are building. Mr. David's tactics are to get you to act fast so you have no time to research him and his fraudulent business. Don't be surprised if you start receiving calls once again. If they do not get a reaction from you they wait and start calling those numbers again. You are well informed so give it right back to him and tell him you will see him IN COURT! Famous last words from Mr. David.
Peace & God Bless you....

Has anone out there have a address for this Mr. David and paul kuferstein? As I am having problems with these guys to and plan to take action.ASAP

You may want to check the BBB's website for their addresses. Those are the addresses I have used

Hi vern white,

Welcome to forums :D

You can visit this forum page, it might give the info you are looking for:

http://forums.debtcc.com/forums/kupferstein-info.html

Hey today my Mom got a call from this MR.David character (he should leave a better name as that's what tipped me off...not professional never met someone with the last name david only first name) This just started asking questions about me and when my mother finally got very upset he told her I am being charged with fraud and her signature is all over the documents used for the fraud. (another flag went up I have nevr used my mother as a co signer and never would I am financially stable and am 25 years old I do not need my Mom's signature anymore) He would not give her any more info than that but told her to get me to call him at Mr. david 905-474-3535
if she didn't want to go to jail with her son. ( A$$ hole!!) He would not give her details about who he works for, the company I supposedly frauded or anything. My wife got very mad at me but after thinking about it she called her uncle an RCMP officer and he told her to serch it and contact Phonebusters. She e-mailed phonebusters and searched and found lots including this board. I still haven't called this guy back I am thinking of getting my employers (DND) Lawyers to call and see what they think. Any other sugestions? We are in Ottawa Ontario where else is this guy operating and who have been the company's complining that they have been frauded and need this guys help? Any more info will be exstreamly helpfull Tahnks.

here is a link to the upper canada law society pls. pls. add them to your list of ppl to report this guy to, Lawyers in ontario are usually members of this and if this company has a lawyer who has passed the canadian bar exam they'll know if not they will investigate and chrage this company with fraud as they like to tell ppl they'll do to them. Also check this out they are also falsly advertising thier services to the companies hiring them.

This is taken from thier website LMAO STUPID STUPID PPL:

We take a "hands-on" approach with our employees. Our management team work very closely to monitor and communicate the results of each employee. Our level of professionalism is of cardinal concern to our office and appreciated by our clients.

We believe that to create an energetic team of employees, the workplace should be a great place to work. Having energetic, loyal employees benefits both our clients and us. By fostering a two-way sense of loyalty from Liability Solutions Inc. to it's employees, people look forward to coming to work. Our people are performance driven and share in the benefits of a job well done. Our goal is to facilitate a workplace that fosters productivity, team effort, accountability, trustworthiness, and above all, loyalty to the needs and demands of our clients.

Learning is an ongoing cycle. Our recovery team receives training on a regular basis to ensure efficiency and maximize productivity.

Anybody who is interested in seeing these people stopped, especially fellow Canadians, here's an important contact to send your case to, ASAP: whistleblower[at]ctv.ca

Zack isnt Mr DAVID.

MIKE Z

You suck a$$.

You are most likely a child predator

Either way -"ZACK" and "MR.DAVID".....YOU ARE BOTH PATHETIC LITTLE COWARDS, AFRAID TO REVEAL YOUR IDENTITIES!
(We wonder why??????.....NOT!!!)

GET A LIFE!

okay stop the name calling lets get back to the topic at hand which is shuttign these guys down

I too was scamed by these people and thanks to you guys I will not be sending the money to them. The threatened me too with starting a law suit "tomorrow" if I didn't fed-ex the money by noon. They threatened my Dad because his name is the same as mine that this "could hurt his credit rating anyway because our names are the same" so he was trying to get money from my parents. And why isn't this a Small Claims court issure. He threatened to charge me with fraud. I have never heard of a law office that would use these tactics. I will go the the creditor I owe the money to and deal with them directly.I will be contacting the Law Society of Upper Canada. Thankyou

Boyer,

You seem to be on the right track. Contact your original creditor and settle the account with them directly. No legit company will do what this collector did with your parents.

File your complaint with higher authorities. Keep us posted on this.

Pay your bills, and no recovery attempts need be made!!

Educated,

Don't you think that the system of Payday loans is not very clear and helpful? Payday lenders often indulge in unfair activities, like hitting the accounts before the agreed date, trying to withdraw money in 2 or 3 installments, threatening of wage garnishment, adding up unnatural fees and so on.

Do you know 13 US states have banned payday loans? So there must be some reason for this ban.

BTW, we do agree that there are some good collection agencies, please check this thread-

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