Payday loan - what to do?

Looks like Paul Kuperstein's employees are hiding behind many names and are posting over here also - TOO MUCH indeed.

Kind of like everyone on here hiding behind various names? You all act like you are victims of hanous crimes. You didn't pay off your debt and you got caught, why do you blame the Law Office? These bad debts will eventually be reported to your credit bureau then you're on your own. Some of you aren't dealing with a full deck.
At least post the truth, why lie?

Nobody is hiding behind names. It just isn't wise to put your pesonal info. out on a forum. People come here looking for advice. Looks like you can join the crowd "Too Much", unless that is your real name.

Dido amy445.

Just wanted to let you all know that we received a call today from Steve Sargeant saying that someone had filed a complaint in an office and had a case number and everything. We search on the internet and found nothing to do with Paul Cooperstein and Associates. I did a search for the number that he left and the number traces to Unionville, ON. We are not going to fall for this SH*T.

It's funny how the message he leaves he doesn't use a first or last name. Can anyone find an address for htis place? would love to pay him a visit and give him a reason to file a complaint. And I see that even after several month, the investigations that The Law Society and BBB are doing are NOT working.

To L&S in regards to your post you can see that your a real loser. You owe money but you are not big enough to pay your debt. So now YOUR the BIG going to pay a visit. You people make normal people who want help sick. ITs the LAW OFFICE OF PAUL KUPFERSTEIN. learn to spell and read then maybe you would have read the thing that you signed saying you would pay back your debt. Then you wouldn't have people calling you. DUH

Its funny how his message didn't leave a name but you seem to have two names. As for his messages he always leaves a message. I should know he's left me a few. It says this is MR. Sargeant from the law office of paul kupferstein and associates calling in regards to a pending law suit filed by ....... So don't come on here with your bull. At least say the truth

Why is it that when someone defending PK's office posts with an alias they are hiding behind it, but when debtors use their various 'handles' and post garbage they are protecting their personal info?

Would it be wise to post your first and last name, and better yet let's just give it all, phone number, social security number, address, mother's maiden name, and my first born's blood type. I am willing to bet that the collector's posting on here don't want to give their names/company etc... because it could be used against them for illegal collection tactics when they are sued or they are indicted on felony charges. It does happen, a collector was just sentenced to jail, 4 years of probation, and ordered to pay over $50,000 in restitution to his victims. He was charged with extortion, because it is extortion when one makes threats of using information to get money out of a person. And that is a FELONY.

The people who work for this boggus law firm really give a new definition to pathetic, bottom feeders. No wonder they hide with alias names, who on earth would deal with the likes of these people when they certainly have no clue on how to act professionally. I can only take a guess that the way they handle themselves on here is probably there actual attitude and personality outside they office - what a sad life.

What I have learned from people who exercise over controlling personalities at work and have anger issues, and those who use threatening behaviors to coerce others is that they lack control in their personal lives so what they do is they take their issues to work with them and they usually attempt to control and "bully" coworkers, clients, and in this case debtors.

What I have learned from people is that those who lack control in their own personal lives counte-transfer this issue in the work place. In this instance they will exert their anger and attempt to "bully"/threaten the debtor, this gives them a sense of superiority and control over the debtor and they have some sense of control, where as their personal life they have no control. That's my opinion.

I did not mean to post that twice, my posts must have been delayed, so I rewrote it. Sorry.

Your post was so correct but you forgot the other side those who are debtor never change they take people for everything they can get. Usually the marriages fail and they cannot hold a job and then they bring there children up thinking that this is a normal life they then live off people who work hard for their money by going on welfare or mothers allowance. And once again those people who strive to be good people and work hard for there money do so to keep debtors alive. What a great world we live in. I am tired of supporting people like that I know there are people that just make mistakes but those ones try to correct the problem. Your advice on here is to ignore there debt that they owe and have a great life. Well I hope my children never grow up like that. For those of you that have a debt if there are questions about a company call the orginal company and verify that your debt is with this company called the law office than pay your debt. Don't be like some people who come on here saying well I owe this loan and that loan but since payday lenders are not legal in my state then I am not going to pay. You borrowed the money pay it back

Hi, I'm looking for some information about this company. I know they are a law firm and are employed in collection of past due accounts. I have been attempting to file a complaint with the Ontario Government Services, but do not have enough information on them. Which city are they located in?

Don't file a complaint just pay your bill.

Guest, nobody said don't pay the pdl lender. Many people have paid well over the legal limits, and sometimes, more often than not, the pdl makes it difficult to pay back the loan. I was one of those people, I tried to payback my loan the fax number was bogus, the company makes it difficult so that they can continuously roll over your loan by not giving the correct contact information so that you can payback the loan. I believe if you borrow money you should pay it back, I don't believe in just getting something for nothing. There are even cases when the loan was paid back that the pdl company STILL continued to take money from the borrower. People have learned their lessons, believe me that internet pdls are not the way to go.

Guest, I hope I can also take from your post that you are not lumping all debtors in one category. There are those who abuse credit and don't want to payback what they owe and that is wrong. And there are those who abuse government assistance, that will probably never change. But I don't mind paying for somebody who is in need.

Borrow from reputable payday loan companies, and pay back the loan on time.

Ha - is there such a thing!

I don't mind helping anyone in need. But there are alot of people out there who abuse freindships family and whoever else. They cry they have not money then by a case of beer or gamble. Those are most of your debtors. Give the good people in the world a break. I have read this site over and over again and maybe 1 out of 50 or true people who were down on there luck and got in a bind the other are just people who take advantage of good people like us.

I see examples of this everyday with people I work with. They cry about being hungry but have no money. You feel sorry for them and buy them lunch. The next day they come and say how sleepy they are as they were out the night before drinking. I'm a single mother of three and I have never ask a person for money. I have taken out payday loans and have had trouble not on my part. But I get upset listening to some crap on here well they won't find me now I moved or I don't have to pay cause there not legal in my state etc. I guess I want people to know that there are good people out there that make mistakes. Not all of us are losers like some debtors.

hello all im from canada and paul kupferstien callled me today saying they were taking me t ocourt for 3000 dollars i called my laywer she said not to worrie about it we are taking leagal action about this
they cliam there office is in markem ON i will find more info for all

If you want more information on Paul Kuperstein's "law office", check out the forum on Paul Kuperstein.

You'll get all you need to know about this company there AND MORE.

For all that do not know, you can read more discussion about them here:

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

Yes there is stuff to read, but it's not truthful for the most part. The people that post are like jurnalists, they embelish their stories to make them seem far more interesting that they actually are. I'm thinking they all did well in creative writing class.

Oh that's right - 99% of the people on here are lying and you and the firm are the only ones telling the truth!

Get over yourself, the firm conducts their business illegally and then posts on here denying such all the time. I suppose that is the easier damage control route for you all. They constantly avoids questions and try and turn the table on everyone else - pathetic.

I am thinking you really have a lot of time on your hands and business is slow resulting in your complete bull !@#$ postings trying to convince people you operate a legit business.

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What a joke! They are totally oblivious to reality and continue to live in la la land!

There is absolutly nothing illegal about the debt collection practices of Mr. Paul Kupfersteins office.

Words escape me when I think of how incompetent some people are.

When I see comments like the last one it just blows my mind how brainwashed these people who work for this law firm are - astounding!

Member LSUC, just clarify one thing for me.

In the Debt Collection Act for the province of Ontario, it states, "This Act does not apply,
(a) to a barrister or solicitor in the regular practice of his profession or to his employees",
This is the grey area that is under discussion. Is it regular practice for a lawyer to collect on bad debt. This is strong topic of discussion here in Ontario. Also, paralegals are waying into the discussion as well.

Is it your regular work routine to collect on bad debt. If not, then you are contravening the Act.

Comments, please.

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You've quoted the Act! What part of 'the act does not apply to a barrister or solicitor (I'll spell that in English for you L A W Y E R) / employees' do you not understand?
This is not grey, it's black and white. A strong topic of discussion - where? At your dinner table?
What's wrong with you people, what's so confusing? The fact that you were contacted?
This office that you keep making reference to is not the only firm collecting bad debt. There are several all over the place. Do you people think that Mr. Kupferstein is the only lawyer out there going after indebted consumers?
Brainwashed are the people like yourselves that are trying so hard to find fault, but wake up - there isn't any. Why hasn't this guys office been shut down if he's doing stuff illegally? Do you think the Law Society of Upper Canada just slaps unethical lawyers on the wrist? Quite simply he would not be a practicing lawyer anywhere is he were committing crimes. News Flash - he's still practicing.
You've not been able to figure out the workings so because you aren't smart enough to figure this extremely simple matter out it (according to you and your brother)must be illegal? Fools.
It's clearly time for all of you to move on, you all have no business being here.

Best I have been able to determine, Mr. Kupferstein is the only "lawyer employee" of Liability Solutions. None of the other people at that company are registered lawyers. I think this is how they are skirting around the law.

They call "from The Law Office" and drop Kupferstein's name. But since they send out zero documentation, they escape violating debt laws. And since Kupferstein is only an employee, he is never getting in trouble for this firms actions.

Who is Jay Cowan? Is he a lawyer? And why did Jay Cowan hire Paul Kupferstein?

Read this article, chances are this attorney is doing the same thing as this attorney and it came back to bite her and her dad in the ass in the end. Sounds like what might be going on here:

collectionindustrylive.com/news_lenahan.html

I hate to burst your bubble, buddy, but right now as I write this reply, the Law Society of Upper Canada has received numerous complaints about the "Law Office" and/or Liability Solutions.

The part of the ACT that I am quoting is the part of whether or not the "Law Office" its lawyers, and/or employees have a regular routine of collecting on bad debt.

Remember, what goes around comes around. The Law Office and Liability Solutions are being investigated. By the way, there is another "Law Company" in Ontario that is in the midst of being shut down for practice that is unethical. Check it out. Soon, all employees of a Law Office, Collection Agency or Debt Recovery firms will have to be registered, bonded and filed with the Ministry of Consumer Relations, just like paralegals are now.

There is no investigation, there was one, but it's over and really nothing came of it. Too bad for this Law Company. People complain all the time, you see they don't want to pay their debt. They call the LSUC as a way of attempting to get out of paying their debt. The LSUC has actually visited the Law Office and took a look around, shook everyones hand and called it a day. The RCMP even had a visit and also shook everyones hand and as well called it a day. The Law Office probably gets as many complaints as collection agencies do, because people don't want to pay. Has the Law Office ever contacted you 'Canadaconsumer'? You are referring to the Law Office as being unethical, how is it unethical?
Now you have decided that Mr. Kupferstein is an employee of Liability Solutions? Where do you come up with these ideas, perhaps these things come to you in your dreams?
Why is the Law Office still in business? Do you honestly believe that a bunch of people that post garbage on a forum have any pull?
There is absolutely nothing going on at the Law Office that the Law Society of Upper Canada is unaware of, never has been, never will be.
I'm not your buddy, and you sure a hell didn't burst any bubble of mine!

I really don't care if Mr. Kuperfstein is an employee of Liability Solutions or "Law Office", I just would like to see people like him and his company act in a respectful and legal fashion. That's all.

If I offended you, I apologize but I didn't want it to go personal, but I guess I pushed a button that you didn't want pushed.

If you act in a respectful and trustful manner, I commend you but everything I have read here from both yourself and others tells me that someone has something to hide.

As I should have expected, all of my questions were completely ignored. And now that I brought them up, I'll get the standard "That's none of your business why Mr. Cowan hired Mr. Kupferstein." followed by "Mr. Cowan is a lawyer", which of course will have NO link to prove this and I will be forced to simply take their word for it, even though I can search the LSUC and FIND Paul Kupferstein listed, but not find anyone by the name of Jay Cowan.

As usual, they will hide behind their veil of secracy, claiming they do no wrong and calling us debt deadbeats who are just looking for a way out of our debt.

And again, I'll shoot back with my standard reply: I owed $2000 until I told Mr. David that I felt he was a scam and I have never heard from him since. I guess "The Law Office of Liability Solutions" is so filled with money that they don't need to pursue me in court.

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They will only see it one way - their way.

There seems to be no way of getting through to them, getting answers from them, etc., etc., etc.

They live in their own little world with their own little opinions and ARE the only ones on here defending the actions of this firm.

They "have no business being here" - period!

Equally, you all see it one way - your way. What you all fail to realize is that all of your questions that deamed a response where answered.
Canadaconsumer you wouldn't happen to live in Eastern Canada would you?
Slandering and defaming are a crime and don't go un- punished. Think twice before you speak.

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It's Mr. Kupferstein's office that provides debt recovery services, not Mr. Cowan's. No it's not relevant.

Then catch me up! Who is Mr. Cowan? I'm just trying to follow along. But it sounds like that in one of the posts this Mr. Cowan has represented himself as an attorney. If this is true and he isn't a lawyer, then how is that not relevant? I always thought it was illegal to misrepresent yourself as a doctor, lawyer, police officer, nurse, etc......see where I'm going with this? I just want to understand who Mr. Cowan is and why is this person saying he called them if he didn't, how would they know his name?

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Once again Jedijeff13 (the research and knowledge guru) has proven them wrong yet again! How many times is that now - I lost count!

Apparently "Guest" your comment below and Jedijeff's 100% accurate information proves you truly don't know what you are talking about!


"Fed up! I indeed do know very well what I preach."


Time for a little pow wow in the office to get all your boggus facts straight so you don't contradict each other. Won't help anyway . . . Kuperstein and clan will one day not be able to get out of what they seem to be digging themselves into. More and more information is being compiled and gathering from your postings, your shady dealings and continually avoidance of questions can only run for so long until you will finally be exposed for what you people really are. You can only try and hide behind cover up after cover up for so long.

Say what you will (which I am sure you will) but facts are facts.

You may feel like we don't know what we are talking about (which of course we do) but you could avoided so many postings and rebutals if you and your collegues just answered the questions asked of you directly and truthfully and stop avoiding them. You want people to send you money, etc. then I think it is only fair you answer the questions raised by them and send them what they request - ALL questions. Then maybe, you may actually run a legit operation that people can trust.

Mr. Cowan Have never said he was a lawyer or not a lawyer to anyone as he has not spoke to any of you debtors. Whether he is a lawyer or not is not an issue other than so people trying to dig up dirt. To bad you can't find any.

sorry for the spelling errors

Also I do not know what kind of companys you work for but most companys do not list the owner first or second also if you phone companys they will list accounting then sales then service or press 1 for Mr. so&so and 3 for Mrs. so&so. They don't say press 1 for he owns the company press to for ... he's the vice. Please give us a break here.