Payday loan - what to do?

I had a previous loan and i would like to know what do i need to do to take another
Crystal

if you payed off the first loan then you just go back to the store and take out another

But only if you have paid off the other. You don't want to get caught in the payday loan trap if that is the type of loan you are speaking of.

Best to keep away from payday loan companies all together if you can.

You call me childish, but you don't comment on the post that is clearly untruthful. Why is it that you only target the people on this forum that don't side with you. Do you deny that a lie was posted? Do you consider my posts childish because I won't allow a lie to go unchallenged?

Hey guests... could you do a girl a favor and come up with a cute and crafty name for your guest status? I got confused.....

Guest...you lie

Guest...grow up

Guest...no you are a liar


Guest...what a beautiful day and oh btw, you lie

Now picture it this way

I am a cool chic (guest)...you lie

I love me (guest)...grow up

I am a cool chic (guest)...no you are a liar

I love me (guest)...what a beautiful day and oh btw, you lie

See how nicely that goes? That way everyone can follow who is talking to who :D

Because I can't figure out who is lying nor what they are lying about! Is it just me?

It's not really that difficult. Some one posted that they were contacted by the law office regarding an outstanding debt due to 900 number services. This is impossible, the law office does not represent any 900 number service companies. Many times people have posted that this forum is here to help people, however this person posted a bold face lie. I challenged this untruthful post, and in return I was called childish.
Although we both post a 'Guest', I don't believe the conversation is difficult to follow. To simplify matters for you and the other people that read this forum I will refer to myself as Truthful.
Now I will get a handful of people telling me how awful I am, but not one seemed to be bothered that this forum is being made a joke by the lies that are being posted.

I was probably just sleepy at the time, but I was confused.

Great name BTW.

I have no clue what law firm you are referring too but if you have proof that a lie was posted, refute it with proof, if you have any. I am all about the pursuit of the truth!

The firm is Paul Kuperstein and Associates and the people posting that they are being defined as liars but that they are "TRUTHFUL" are of course collegues of this firm and are no doubt the same ones posting on the Paul Kuperstein forum.

I recall this posting never being answered:

Seems you have accused "Newbie" as well as "guest" of lying according to this "post here". So another lie comes of out your mouth - like that is a surprise.

I too second "newbie"'s comment - please do "get a life".

Once again you have been exposed for lying and the fraud you are.

You are the definition of "liar".

Say what you will and deny all you like. You are the only one on this forum defending the actions of the firm and calling everyone else liars, I recall this being stated before - LOOK AT THE RATIO.

How can anyone truly believe one person isn't lying when there are so many others that have encountered the same situation. Many, many people have posted their situation here - are you trying to say that THEY ARE all wrong and what they went through is a figment of their imagination and that you are the only way telling the truth - SOMEONE WHO WORKS FOR THE FIRM that has up until now and who knows if is still conducting their business illegally?

End of the road.

Ok I think I am following this now..

'Truthful' is an employee of this Paul Kuperstein law firm and asserts that this firm operates in a legal manner.

'THE REAL TRUTH' is possibly a person who has had dealing with this law firm?

I can be a devil's advocate here, because I have never dealth with this law firm, and now that everyone is choosing names, even though they are close in nature I think I can follow.

Truthful, your assertion is that your firm is a collector, but you do not collect on 900 number debts?
Truthful, can you describe what your firm does do?

THE REAL TRUTH, are you asserting that this law firm violates fdcpa? Does this law firm appear anywhere on your credit report?

I guess I would like to see you two (assuming that there aren't any other's involved in this) move out of the name calling thing, because that is futile, and move into showing real proof to back up your claims.

The proof is in the postings typed on the Paul Kuperstein forum.

Somehow, this forum was created also which really the two should be one.

Too much information to re-iterate Pollandsay.

The real truth must be Mr. David. Can't you post your name that you regular use now instead of this new name

truthful,

I have to take exception to your comment abot the Law Office not representing 900# service companies. I have been posting in the other forum as a result of Mr. David contacting me with regard to 900# calls and he said the company was Live Interaction (or Interactive.)

thats odd dont pay them

i got $200 and already paid back $300 why are yall still taking money from my account

Melody, your bank can block the loan company from taking out further money. After they are blocked, call the loan company for the latest copy of your loan statement. You must make sure to get the PIF in writing from them.

Also Melody...I don't think this site is what you were looking for. We are not a loan company. What company were you looking for? If you tell us, someone here may be able to tell you how to contact them.

Sandy S the posting that I am referring to occured within the past couple of weeks or so. I, for the life of me, can't figure you people out. Someone posted within the past couple of weeks that they were just contacted about a 900 number services debt. There is no way that this could have possibly happened because the law office has not represented 900 numbers service companies for some time now. You can defend this claim all you want, but the facts are simple - the law office does not represent 900 number companies, so why did someone claim to have been contacted regarding a debt owed to some 900 number service by the law office? It didn't happen, someone just thought that maybe it would be fun to stir the pot, why?
Live Interactive was a product of a company that the law office no longer represents.
There is much dancing around this fact, all I said is this person lied, and they did. No one contacted anyone about 900 number services because we do not represent any 900 number service companies - cut and dry.
Play the blame game if you wish, but all I did was correct an untruthful post, and just like always you all go on the attack.

Truthful,

I stand corrected. You did say in an earlier post that your organization did not represent 900# companies and hadn't for quite some time.

I have to believe that your organization's past relationships with 900# firms has done a great deal of damage to the reputation of your firm. The damage done probably hinders the ability to collect valid debts.

My experience with Mr. David was 100% negative and that I will never forget. The legacy of collection efforts for the trojan dialer 900# calls will likely follow your organization for some time.

You can say all you want Janet but you tend to forget, that what you practice is certainly not what you preach.

After what the majority of everyone has gone through in dealing with your so called firm, do you honestly expect people to believe anything you say. Up until now, you firm has never dealt legitimately, constantly deny that people ever had the experience they did with your firm.

Do you think we just sat around and decided to just pull these experiences out of nowhere?

P.S. Sorry to disappoint you Janet, but I am not Mr. David - believe what you want. Interesting how you keep using him as an escape goat though. I am new to this site and am here because of the many harrassing phone calls I have had with your firm. I will not contact you EITHER way as I refuse to expose myself to the dealings of your firm again - PERIOD! I never got anywhere and I had talked to this "Nr. David" on several occasions.

Forgive me if I am wrong, but I tend to think you all operate the same way, you just may be eager to turn this company around as you haven't been there long enough to truly understand the ethics of this firm.

charline you must have lote of time on your hands to blog on the web try ripoffreport.com by your law office. get a life

Link made inactive as per forum rules - Mike

This is what I'm talking about. I don't know who you are or what you are trying to do. Are you trying to convince people that this site is the responsibility of the law office or me?
Way back at the beginning of this forum it was sited that this forum was a place for people to get help with their debt issues/problems. I think that's great.
Some of the post on this forum are legit, and some of the staff from the law office have attempted to do what they can. I assure you that the negative or derogitory posts were not posted by anyone employed by the law office.
Many untruths have been posted on this forum and I think that is sad.
Attempting to respond to these outright scandelous claims is truly a huge waste of my or any other employee of the law office.
It is my hope that the people that take the time to read through this forum do so in a mature and educated manner realizing that someone is extremely vendictive here, this person believes that posting much of this nonsence will somehow do harm to the law office.
We have been in business for many years and will continue to offer our clients the high level of service that they've come to expect from our organization. You, the few that make up all of the posts here, are but a mere handful of the volume of people that we communicate with.
This conversation is over.

You continue to think Charline that it is only one person posting on this site about the horrible experiences they had with your firm. I urge YOU to act in a mature and educated manner and really read this forum. There are many, MANY different people posting here despite what you might think and you and your couple collegues are the only ones defending your actions. No one else.

The conversation will never be over. You keep saying you will not post on here again BUT here you are AGAIN.

Like it has been written before, you cannot convince people that you operate legitimately when your firm continues to this day act illegitimately. Say what you will over and over again but people are still experiencing the same scare tactics of Mr. David and whoever else from your law firm on a daily basis - deny it all you like and accuse everyone else of lying but the facts are the facts and the truth is the truth.

And to quote you about the untruths on this forum and how it is sad - I do agree with you on that SO why don't you stop doing so.

We just got a call from this so called company too. Voice mail got it and it was a mr. david saying very important message....bla, bla, bla.....
He also called my husbands work. we don't know what this is regarding but whether he is a bill collector or not, I never answer the phone to someone I don't know. And I am in Bc and this is from ontario so who knows but whoever is doing this I really hope that with everyone together we can stop these people. I know that I don't want my home called all the time and worst yet my husbands work.

I am the "guest" that is being accused of lying by "truthful." As to why I am being called a liar for getting a call from this Mr. Sargent guy. Why would I lie about getting a call from this **** about some payday loan company. You really need to get a life, well said "newbie" and find a normal job that doesn't involve harrassment. I got another call from this Mr. Sargent 2 days ago telling me I now have 24 hours. Just like all the other posts says. If you going to try and pull a scam over people maybe you should mix up your methods so that smart people can't catch onto you. I didn't lie and I would like being told that I am a liar.

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

ive just been contacted by these guys, same story, i didnt get as far as what they actually wanted from me,they outright refused until i gave them my name, i only gave them my last name, they wanted my full name, i said no. then "mr. sargeant" started to get very rude with me, i actually lost it on him, im sure there was spit coming out of his end of the phone! long story short, ive reported this to peel regional police,they are forwarding it to there fraud dept. i'm shocked that a company can operate like this with seeming impunity,they gave me the markham address, but from reading here it looks like they have business all over. the police recommended to tell them not to contact me, that police have been contacted. nobody give these guys nuthin!

We recibed a call for the first time today august 10 2006 by a mr david. Voice mail got it and he just used the lawyers name that he has been using and said my husband needed to contact him. Also mr. David called his work stating the same thing. It's a very important business matter. Well you all know the routine. Still don't know what this matter is regarding but i am waiting to answer the phone now for a one on one with the guy after reading all this information regarding these people believe me he has no idea who he just peed off. And i am so mad. For all you people that get intiminated easily by bull collectors, that's any bill collector don't be afraid to stand your ground. Bill collectors are the scum of the earth and they aren't afraid to say anything to make you pay. They are the true scum of the earth. If you fight back with them then they know that they are in for a fight and tend to back down. Especailly if they aren't getting anywhere with you. You got to remember that bill collector companies only get paid if they collect. Naturally they are gonna be rude and persistant. Otherwise there company doesn't get paid.
It's a sad story that there life has gone to something that low as a job. It's got to be one of the most degrading jobs out there. My therory is they are in ontario and i am in bc canada. If they want to su me then i say don't sing it, bring it. I'll be laughing all the way to the court house.....

And so the scamming continues - surprise, surprise.

I am sure a post will be on here shortly from Charline or Janet stating "please contact us to discuss your file. We will do everything we can to help sort it out". That seems to be all they can do. That and their continual denial of fradulent activities - the usual damage control comments.

Good to know this forum is helping people on a daily basis. Don't fall prey to their scare tactics.

debtors, debtors, debtors, you are all the same. Rip off artists! I'm sure this law office isn't the only place calling all of you about unpaid bills..........

Hello Paul Kuperstein's office - "bill payer"!

Take your preaching elsewhere!

Funny thing is, I don't work for the law office!

Whatever

I told Mr. David off and last thing out of court was tell your husband that we'll see him in court and i told him you do what you think you have to do and haven't heard from him in days. I really don't know what any of this is about but I don't care to be threatned. So I guess if we go to court what a beautiful story because we could sure use some action in our lives.

Straw2000,

I wouldn't worry about it - you'll never hear from him again especially if you asked for validation.

We just received one of these calls today from Paul Kupferstein's office, it really scared us to think that we were being investigated for something. my husband thought to check the internet to research it, and I am glad he did! I am in Canada and will be reporting it to the RCMP and whomever else will listen!!!

To guest maybe you should call the company that he said that you owed the money to and verify it. Before you call anyone. Most Canadian debt is borrowed from loan places that you borrowed money from. So if you have any questions call the cash store or money mart whatever it may be. And they will tell you that they forwarded your debt to a company because you haven't paid

Paul Kuperstein's office never leaves any particulars on voicemail - usually just idle threats. They wait for you to call them back then when you ask for validation they use the tactics stated in this forum.

Think back carefully Guest whether or not you owe anything to anyone and contact the company directly before calling these people back. It may save you a headache, the possibility of being threatened by them and falling prey to sending an absurb amount - as may be the case.

My boyfriend and I work at the same place...different shift.......This Paul Kupferstein and Associates phoned our WORK...and left a message saying it was urgent for my boyfriend to get a hold of him!
We have no clue what this is about......please advise!!!

In regards to an outstanding debt.

Don't send / do anything until they provide you with validation as to why they are calling you.

Read the Paul Kuperstein forum to get a better understanding of this so called law firm.

I have had recent dealings with a Mr. Sargent. Actually he called my father and hasrassed the hell out of him making claims like: "Tom is going to be sued", "it is regarding a legal matter". My father naturally wanted to know why he was calling, Mr.Sargeant correctly did not tell him, my father in turn advised him that he would supply no info, to which Mr Seargent replied "Fine, then I will tell the Judge you are being unco-operative". WTF? Who is this porch monkey and at what point did he think it was legal to contact a third party and threaten to implicate him in a court case to which I have received no summons, or a validation letter for that matter. Being an ex-collections supervisor, this burns my ass, it's because of idiots like him ALL bill collectors get a bad rap. The fdcpa was developed to prevent morons from from being morons, and if he were in my department i would fire his ass in a second. My intentions are to nail his ass to the wall, and that of the Sleazebag attorney in that office that allows this kind of illegal and irresponsible behaviour to exist.
Of course when I called Mr.Sargent, he categorically denies these statements or threats.....sorry Mr.Sargeant, if your asking me to believe you or my father, you lose. As a result of his stupidity, I have been skip tracing any and all dirt I can find on this JAckass and his company, for any of those interested or who have actually received letters from these people regarding the debt, keep an eye on the mailing address, Paul Kupferstien was disciplined, fined and warned by the Law Society of Upper Canada on May 9th of 2006 for providing a false mailing address. 620 Alden Rd, Suite 208 Markham ON or 4981 HWY 7 East, Unit 12A, Suite 267 Markham ON are both prohibited addresses according to the LSUC. I recommend following suit, as I have called the LSUC Monitoring and Enforcement Department and reported these two additional addresses to which the agent helping me was extremely interested. She suggested I file a complaint online and in writing. Regardless of wether or not anything concrete transpires, they are required to investigate him to the fullest because of repeat offence. I have also followed through with the Attorney General's Office, FTC, Consumer Affairs, filed complaints with each online and in writing, as well as my father and my mother. For those who may respond to this in defence of Mr.Sargent or Paul's Office in general, my argument is not with the fact that they called to collect on a debt (on which I have no validation letter to this date) it's the irrsponsible and blatently illegal approach to the collection of this apparent debt, and there is absolutely no Justification for this manner. If I owe the money, I will pay it, bottom line, but hell will freeze over before I turn a penny over to the telephone tough guy known as "Mr. Steven Sargeant".

TDoug,

Take a wander over to the Paul Kuperstein forum to get a clearer understanding of how this so called firm operate their business conduct.

Do you have the specific link for the forum?, sorry for the stupid question, I'm not sure how to access it specifically, thanks.

Here you go TDoug - let me know if you have any problems.

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

Thanks for the help!

No problem TDoug!

I got a message from mr. Davis from the Law offices of paul kuperstein. They want me to send them 235 dollars tomorrow

Thank God for you guys!! Same story here, I was called by our Mr. Sargeant and threatened with lawsuits. I cannot wait to call him back tomorrow and tell him what I think of him. This is of course, after I call the attorney general and others...
Thx again!

Thanks to all of you that have given me hope, after reading all of this I think I can now get out of paying back the money I owe! Hey Tobias - I love OZ!

So I've just contacted the Paul Kupferstein that is registered with the Law Society of Upper Canada. I've left a message with them regarding the "strange" coincedence with their name and different number. So hopefully I get a message from the right lawyer and let him know that someone is using his name to falsely practice law to which the Law society will get a complaint from me regarding this issue and the CashStore will get a nasty letter from my lawyer. I can't believe they sold my personal information!

Guest, your personal information was not sold to anyone. You borrowed money from the CashStore, you didn't pay it back and now your file is with the Law Office. I urge you to have your lawyer send that nasty letter. If you can afford a lawyer why can't you afford to pay back the CashStore? The Law Office would be happy to discuss your case with your lawyer.