Payday loan - what to do?

No need to apologize.

Tammy my dear...The PayDay Loan companies don't take what's yours. You borrow money and you're suppose to pay it back.
If every one followed the rules and read the contracts there truly would be no problems. It's only when these loans are not paid back on the agreed to date (terms) that you guys get into situations. Why do you go to the PayDay Loan companies - ususally because you can't get a loan from a bank.

? don't come on here and bash people who made mistakes and are trying to get out of their mistakes. Tammy knows what she's talking about and is working hard to do what's right. If you don't have the guts to become a member of this forum instead of being a guest with "?" as your name then don't waste your time or ours by posting. We don't need your kind around here, we're all friends helping friends. :x

The payday lenders to take what is ours. Our hard earned money. They charge outragous interest and steal more than they are owed.

? if you wish to post here in a meaningful and productive way then do so, however I caution you to avoid personal attacks and leading questions that imply an attack on a person and/or veiled comments impugning the character of anyone on this forum.

Regards to jj, not wanting name calling, but I can't let this go.

I haven't checked out this thread in a while, but look what I come back to. I suppose its only fair that since Zack's response to my post took two month, mine takes the same.

[quote=Zack]MIKE Z

You suck a$$.

You are most likely a child predator[/quote]


Zack,

Thank you for confirming everything I assumed about you given your prior posts. Whether or not you are *the* Mr. David doesnt matter. What you are is a rotten excuse for a debt collector. Have fun in hell. For the record, seven months have passed since Kupferstein's office called.

Mike Z, you are entitled to one rebuttal :D

Anyone figured out.... that the 900 number debate featuring the phonies in Markham has gone away. They are back in the payday loan business where the pickings are easy. Through the grapevine, Mr David is probably diving for golf balls at the Thornhill Country Club links. His stint as a debt collector was apparently a BCM (Bad Career Move)
To those who are currently involved in one way or the other with this outfit...please do not forget they are operating out of CANADA. Check your states AG's office to see if they are able to be in touch with you legally.

Quote:

Call the origional company and see what they say!

[quote=jj]Mike Z, you are entitled to one rebuttal [/quote]

Thanks, jj. Its not my intent to get drawn into a pissing match with anyone here. I've just been checking in periodically waiting to see a report of law enforcement coming down on Kupferstein's office.

If calling B.S. against the people who are in league with Kupferstein is going to have them retaliate with the comically baseless acusation, "You're a child predator" on an internet site, I'm not going to lose any sleep.

I would like to thank the mods for keeping this thread up. These crooks wouldn't have taken my money, but as I stated earlier, if it wasn't for the info I was able to research (with nothing more than their phone number on the caller I.D.), they may have damaged my marriage.

Zack, feel free to spend the next two months figuring out how to top yourself with an even more shamelessly distasteful attack on my character. Maybe when I check back in four months wondering if Kupferstein's been indicted I'll feel inclined to get back to you.

Cheers.

So JJ calling like it is - you consider name calling. Referring to someone as a child molester is okay by you?
Someone needs to say something. You are all a bunch of babies that think the world owes you a favour!!!
Wake up and grow up while you're at it.
Instead of looking in the mirror and saying "I screwed up, I'm going to do what's right and take care of my situation, I won't blame it on anyone else because no one held a gun to my head when I walked into that PayDay loan company, it was my decision"
Stella, contracts are made to protect all involved. Perhaps if you don't believe you'll have the means to pay back these companies, you could consider asking a family member or friend to help you out.
I've not called anyone anything other than mention situations.
99% of the post on this forum are under an alias.
Unless you're cheering on a debtor (indebted person) you get blasted, even called a child molesters. Now that's nice.
I have beautiful children, and personally think referring to someone as a child molester as a means of touching a nerve is sick.

?...so what ARE you doing on this forum? Do you have any intelligent suggestions to add, or are you just looking to argue?
I think you'd better look elsewhere for your entertainment.

?, I am referring to anyone, regardless of who you are that chooses to cling personal mud and cast vague illusions instead of providing useful discussion. There are several collectors who post on here, in a professional and helpful manner that actually helps people, which is the reason for the forum.

You however, have not contributed anything

I most certainly have contributed! As a parent I teach my children to be accountable for themselves. They have absolutely no one but themselves to blame for their actions.
There is no helpful advise posted here, only people bashing other people that are trying to collect money that they haven't yet had an opportinity to pay back.
JJ my dear, and all of the other 'moderators'respond by telling people that "it's a scam" - not too helpful my friend. This is a bashing forum, and don't even try to defend the comments posted here. They're unethical, immoral, slanderous, and defamitory to name a few.
Sometimes the truth hurts, but if you truly want to help people then help them.

?, the point, which you seem to be missing is that this is not supposed to be a bashing forum. You will note that most moderators here are trying to get all posters in this thread to cleap their act.. Lets face it...some people trying to collect cross the line and that is what we fight against. I too teach me children to be responsible for their actions, and also teach them to advocate for themselves when they are not dealt with in a responsible manner.

Also, please point out any posts that I have made that you feel to be unethical, immoral, slanderous, and defamitory (maybe identifying which term you would apply to the particular statement).

This site has helped alot of people. You have contributed absolutely nothing other than bashing us for trying to make things right.

?..We're not interested on what you teach your children or what you may attempt to think you're teaching to us.
You're the only one here that is not a positive contributor to this forum, and you've no business to conduct here.

Tough love my friend. You explain to me how any of this stuff has helped you. Telling you not to pay back the companies - you consider that helping? You're all like one big cheering section, that's all. Telling you to be accountable for yourself is something you should have been taught.
I do wonder through these forums, and I'm amazed at the amount of post by the same people, and on each post they're talking about a different debt! Please tell me there's nothing wrong with that.
How on earth has any of this stuff helped you, I'm dying to know.

Until you've proved yourself in a positive light to myself and these people, as I stated, you've no business to conduct here.
Another argument is something we do not need in light of the circumstances.

It takes a mighty big person to admit to a mistake....

Well thank you for your admittance. You are forgiven.

awesome comeback ereke1!

?, excuse us for making mistakes..Like you never made any before.

Yes, there are probably some people around here trying to get out of what they owe legally..And that is wrong, but the majority of us here are trying to figure out HOW to make things RIGHT..But sometimes we have to teach the collector what is LEGAL...If that means we have to call BS on them, so be it.

Quote:

Your mother must be proud.

Yup she sure is...and I hear YOUR mother calling YOU!

What does anyones mom have to do with anything?

I'm old enough to be your mother I'm sure. I can tell you are young by the immature nature of your posts.
Perhaps that is the reason that I just don't understand how these forums claim to help people. I grew up duing a time when we had no one else to blame but ourselves.
Save your breath, I know you don't care about how I grew up...

Abusers are around every corner, and in every industry. Sad but true. Buyer be ware.

All the best to all of you. I have read many untruths on these forums, and all these untruths seem to be believed by many of you.
Take care of yourselves.

Same to you.

our best to you ? but good riddance as well. Just once I would like for those who say we don't know what we are talking about etc... to actually get detailed about why they think that so we can actually engage in a meaningful discussion about the "truth". Just because people get in debt does not mean they are idiots... geeezzz okay guess I am in a bad mood and spoling for a fight... maybe I should call on of attorney clients and pick a friendly fight, they always like to argue details.

Just a reminder.... when we got into this hole, something in your life happened financially, lost your job, got sick, injured, whatever and then you were not able to pay your unsecured debt. When we got on our feet to be able to tackle it, sometimes the debt has already been passed onto collections. Where I live, there is a very high cost of living here. Rent was not cheap and you are trying to pay bills on 2/3 salary. One year, many moons ago, my car insurance was almost $3000. JUST THE INSURANCE! And when you are able to deal with the unsecured debt, you are not treated fairly, given unreasonable payment arrangements ect. Don't preach to us ?. Some of us are really trying here. Just last year my 31 yr old husband had open heart surgery. He has not worked a full time job since 3/05. He is ok now, but the job market stinks. I don't want anyone's pity, just advice. Thanks for letting me vent.

jmid, you are welcome to vent anytime and our advice is always gladly given

jmid...

BRAVO! BRAVO!!!!

[quote=?]So JJ calling like it is - you consider name calling. Referring to someone as a child molester is okay by you?[/quote]

Your post is not entirely coherent, but it appears that you have the circumstances of people being called names in the thread backwards. I specifically was called a "child predator" by Zack in retaliation for calling him on his tactic of playing the****card as a means of shaming debtors into paying, not pay day loans, but fraudulent 900# calls. I am not a collector and no debt collector has been called a child molestor in this thread. I am not personally offended by Zack's comments because he has no grounds to stand on making such a statement, and in reality it says much more about him than it does me. Therefore, I have no problem with the mods leaving Zack's comments directed specifically toward me in public view.


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


[quote=?]Someone needs to say something. You are all a bunch of babies that think the world owes you a favour!!!
Wake up and grow up while you're at it.
Instead of looking in the mirror and saying "I screwed up, I'm going to do what's right and take care of my situation, I won't blame it on anyone else because no one held a gun to my head when I walked into that PayDay loan company, it was my decision"[/quote]

I will make no arguement when it comes to people taking responsibility for their finances. I want to be clear that I am not talking in the context of pay day loans. My experience with Kupferstein's stemmed from their demands to pay a ridiculous sum of money above and beyone the original billing for 900 numbers that evidently were dialed from my computer by a malicious dialer virus. There were no contracts, and I had no knowledge that this was occuring until the charges appeared on my phone bill. I was warned by my telephone company when I called them that it was probably a virus and they would remove the charges, but I should be prepared for the possibility of being taken to collections over the matter. If Kupferstein's office called, handled themselves professionally, represented themselves as a collection agency hired by 900 ________ and asked for a sum in line with the original bill, I might no have researched them and paid up, fearing damage to my 800+ credit score. Instead, they called my wife, demanding $400, and when she asked for documentation for that amount, was told, "We're suing you" & hung up on. In doing so, they made me angry, wanting to know "Who are these people". They didn't identify themselves sufficiently to my wife to even be able to tell me the name of their firm, and the only lead I had was their phone number on the caller I.D. which lead me to this thread. Since then, we have had zero contact with these people.

As you can see, I am not posting in the context of not wanting to take personal responsibility for my finances. I find that claim to be more offensive than Zack's comments. This is about an abusive debt collector who violates the fdcpa, and who's conduct will hopefully catch up with him.

Goodbye...?...

If you do decide to come back, maybe come back with a better attitude...If you see things that are wrong around here, how about politely setting things right? Give us friendly advice. That's what most of us here are all about.

Mike Z,

If you feel any comment goes against your soul, please refer it to any of the moderators of this forum Roxette, JJ, Jedi Mistress Ari or Vikas. I'm sure it will be taken care of.

Regards
Bryan

This is nice. I'm human and self defense is a natural behaviour. Mike Z, I won't get long and winded, the 'child molester' comment hit me hard - I understand how you must have felt.
JJ, you clean up real nice.

?, we all try to defend ourselves! I'm sure we'd all like you to stick around, and we can all refrain from the insults and name calling, right? :)

I found out that the "Owner" of LSI is Tammy Earl
i got that info from the markham borad of trade.
Also they NOT licensed as a lawyers office?

Thats some VERY good info......

This all sounds great, but unless you know the true facts - don't try to lead people down a dark path. LSI is not a Law Office, nor has it ever claimed to be!
You'd never make it as a reporter, maybe with the Enquirer...

I have been getting calls from Mr David The Law office 905-474-3535 this is his second call to me about sending court papers and sueing me. When Mr. David called me yesterday again threatining me over money I rightfully owe to the cash store I advised, him that last week the cash store had lost a 4 million dollar lawsuit in nova scotia and is ordered to pay this money back to its customers, he was completly unaware that his so called client to which he is a laywer for Lost the lawsuit he hung up on me!!!

So you've decided that you'll rip off the Cash Store and not pay them back the money you borrowed? This suit is pertaining to the laws of NS, Canada, however these people signed an agreement clearly indicating all charges, including interest. Not all additional charges are interest. Read the agreement before you sign.
When you people need money, you run to get a payday loan, and then you're quite pleased with yourself when you see stuff like this happens because now you think "perfect" I won't pay back my loan. You're a thief, plain and simple. You went in to a Cash Store took their money and have no intention of paying it back. You're the criminal, not the payday loan company. You are made fully aware of all additional charges what ever they may be before they hand you the money, yes or no? I know the answer and so does everyone else reading this post.
Keep this up and pretty soon you'll be begging for money on the street, because no company in their right mind will want to help you out in your time of need any more!

Why would anyone want to get a payday loan? They have led many people into financial ruins. All they are is a scam, a way to extort money from honest hard working people.

Tammy,
Have you ever had a credit card? Have you ever borrowed money from a bank? Borrowing money is a risk, but you need to work your finances to insure that you can pay the loan back. How can you say the loans industry is a scam? These hard working people need help sometimes and the payday loan companies have helped a lot of them out big time!
No one is being forced to take out payday loans, but if you need one, take the time to review the agreements that are presented to you before you apply your signature on the document. These companies are providing a very needed service to many people.
How on earth can you claim that they are extoring money from anyone? You know exactly what the pay back amount will be on the day they give you the money, it's all spelt out for you in black and white. Read every last line before you put your signature on anything.

I will not reply to you anymore. You are for the pdls and you are not worth my time. I have bigger, better things to do that start a debate.

I understand. It is very hard to hear the truth at times.
FYI - I'm not on anyones side.

Guest, you said "This all sounds great, but unless you know the true facts - don't try to lead people down a dark path. LSI is not a Law Office, nor has it ever claimed to be!" I'm curious as to why when you dial the LSI telephone number the phone is answered Law Office?

In Sept on this message board there is a note mentioning Liability Solution Inc. This company and Kupferstein are one in the same. Their phone numbers are identical.