Payday loan - what to do?

I would NOT pay without verification in writing first! You can always pay; don't let them grieve you while you decide. Stop--do your homework on it. You can call EZPay & find out who these people from Canada are that are calling you; ask if they have an office in Canada at all even for collection services. If they do, then get the address and main number from them. You may possibly be able to make arrangements to pay this debt locally. However, you would be in the driver's seat & can even call their customer service to get verification in writing & make the arrangements with a more professional/kinder customer service rep. in Canada. You don't have to put up with the bullying period! You still are the consumer. Good Luck.

You got it Steelers1 - I am just waiting and hoping for the day it can be used AnotherGuest.

Why wait?

Why are you so interested in wanting to know what is on the tape - sounds bizarre to me how you keep fishing for information.

What gives?!

Okay, I'll take the bait. Because it was posted that a conversation was taped? Would it be harmful to disclose what was said? -NOPE! Let us all know what the threatening, harrassing, unlawful tape says. Does anyone other than myself notice that it's only ever anyone (you deem) even remotely connected people to this law office that are put on trial. There's a tape that can prove what everyone here is saying, why wouldn't you all want to know what it says?!

I would LOVE to hear any conversation anyone has recorded when speaking with any employee of Liability Solutions, The Law Offfice or Paul Kupferstein and Assoc.

If you have something, post it. If you don't want to post it, PM me and I'll post it.

Just curious Another Guest seeing as you never really answered my question, why such intense interest in what is on the tape. People have written on this forum and on Paul Kuperstein's forum what they were verbally harrassed with. Why do you need to know word for word what was stated?

Can you answer that?

someone might deem something as harassing or ignorant when it really isn't. If they said that you had a time period in which to pay and you got rude they might get firm and say that they will call your work place or such. You could call that harrasing you. yet they have the right to call whom you left as references. I would personally call someone that was loud and not letting me get a word in edge wise. harrassing but it not. I would tell my spouse that this really rude man called me then he would get mad and place a call that would end up being rude probably on both ends. So maybe you so place the taped message on here both sides of the conversation including your aggressive words and comment as well as those from the person who called you. It would clear up everybodys questions. But then again you coould be all talk no show??????

Sorry if you think my previous post was irrelevant - but it very much is. I do agree with you the true problem is my "friend" (let's say I don't think so much of him anymore) giving my name and number with some loan company, but my posted beef was with the sheer number of calls I have received from "Mr Sergeant", and the tone and demeanor he showed in those calls.
Let's get one think straight: I believe that you have been lied to by debtors. I don't care. If someone is calling -my- home, and I tell think I'm not that person, and direct them not to call back, I expect them not to call back. I don't care that I know that person - I freely admit that I did; my knowing that person does not entitle you to harass me.
Incidentally, (to be fair, which is something you debt collectors might have a hard time comprehending)) since I left my message, I have not been called back. That's a good thing, and as long as I am not contacted back, I'll be happy.
Also, in all fairness (see above), I should note that this animosity is borne from a different collection agency. I can't remember the agencies name or the woman's name, but about a year and a half ago I was getting daily calls about a person that I didn't even know (unlike my current scenario). When I told that lady I wasn't that person and didn't know them, she screamed at me that I was a liar, and I should grow up and be a man and pay my debts.
Now ask yourself this, GTA Collector: since I was -not- the debtor (and if you don't believe me, as is probably your inclination, then just pretend for the purposes of this exercise), what in the sweet name of Kris Kristofferson gave her the right to yell at me? What gave her the right to insult me? You can argue that she was really insulting the debtor, but it -my- ears that were ringing.
So it is that when I get a call about another debt that is not mine, I steel myself for the worst. And if you think this post is irrelevant, and I have no right posting it: suck it up, 'cause here it is.

Sorry to disappoint you "Guest" / "Another Guest", I can honestly say that I was not rude on the taped call (believe what you want, I really don't care). I just directed simple questions such as provide me with validation to prove this debt is actually real because I don't ever recall it or heard of the place Mr. David quoted and low and behold, this Mr. David went to town on just that.

I am not here to satisfy your rather strange curiosity as to what is on the tape. You can stew on that.

It could be that they can not post the tape, if it is going to be used as evidence against a company or person, I would not post it.

"It would clear up everybodys questions".

You seem to be the only one "Guest" / "Another Guest" questioning what was on the tape - clearing up your question's is the only thing you are concerned with which is strange in itself the way you come across. It's still rather strange how badly you want to know what is on the tape - makes one wonder what your hidden agenda is. I could simply say because you have been so rude, it's none of your business. Think what you will - apparently you do but you won't get any satisfaction from me - you seem not trustworthy which is not shocking by your postings.

All I know is the harrassment on that tape is completely once sided and I am content knowing that it was not me. Time will tell, believe what you want and say what you want - your opinion doesn't matter to me one bit.

I have a clean conscience, do you?!



Either way, I believe you are correct Steelers1 from what I have been informed of.

What ever, if I bashed the law office you'd all be cheering me on, but I have a question for one of you guys and I'm the bad guy. I don't really care, I was just curious.

Is Guest arguing with him/herself? If you think some of the Guest post are from me they're not.

I know I am now confused. Who is Who?

Who's on first.

It's a shame no one has the guts to actually register a username.

No, I thought who was on second. Or was that third?

If you have a tape why dont you use that to take
this office down.?

This is what we have been waiting for, something that
could help us take this office down.

Seriously if you do use it. :D

Liability Solutions Inc. is not a Collection Agency. collection agencies are typically made up of collectors that are often inexperienced and under paid. Your files are often over worked and rotated frequently among several collectors, omitting crucial details and ultimately ending with poor collection results. Many debtors know the only recourse they have is to make repeated phone calls with empty threats.

It is easy to see why our approach is considerably more effective. We out perform all conventional forms of collection often recovering accounts that other organizations consider irretrievable.

Liability Solutions Inc. has more than twenty years of experience in collection and litigation and is pleased to offer our services throughout both Canada and the United States.

Liability Solutions Inc. believes that to create real client value, the emphasis on client service is paramount. We believe in following instructions, implementing client protocols, managing our people, measuring results in a timely manner and communicating them to our client.

We are committed to developing mutually beneficial relationships, and are confident that Liability Solutions Inc. can become a trusted business partner. We will positively affect your bottom line and add value to your organization through our dedicated recovery efforts.

Cash flow problems, NSF cheques, outstanding invoices, declined and/or charged back credit cards and untraceable debtors. Many companies are plagued with problems in these areas. It leaves you in a difficult position to not only deal with the cash flow issues but also the issue of maintaining your customer base. Your company must focus on remaining competitive in an ever-changing business world.

If you chose to resort to the standard collection agency you will find your company left with untrained collectors engaging in the practice of collecting your outstanding receivables and unfamiliar with the law. Due to the "revolving door syndrome" at most collection agencies your files will change hands frequently among several collectors, thus omitting important details and ending with poor collection results.

The bottom line is simple, services and/or products are being supplied on demand all over the world, and in order for any business to achieve the highest competitive sales market, the funds must be recovered. This procedure does not include abusive and/or harassing phone calls, in fact in many cases, clients prefer to rebuild the relationship for future business opportunities

When you consider the quality of Liability Solutions Inc. services and the alternatives available, you will discover that we turn problems into profits. Give us 60 days, we guarantee you will see the difference. The quality will be there, your cash flow will be increased, and you will have peace of mind in knowing that the job is being done well.

The benefits to your company are quite clear:

>> Unique professional services
>> No risk guaranteed results
>> Increased cash flow
>> Uncompromising integrity
>> The use of a law firm at no cost

This isn't a forum for free advertising.

That was awesome cut & paste skills!

From a website that is out of date and hasn't been updated "in a while".

Love the postings Steelers1 and Jedijeff!

I must say though, their posting clearly gave me a good laugh - what a bunch of bull!@#$. Nothing they do surprises me and what lengths they will go to to try and convince people they operate a legit business nonetheless operate legitimiately in all aspects of business etiquette.

Back to the drawing board PK and collegues, you won't fool anyone here.

Isn't that what you're trying to do? Fool everyone. An eye for an eye perhaps....

Ya know - for a company that has no internet access for it's workers, the workers sure do post a lot during work hours.

I'm not sure how many times I have to tell you and whoever that I'm not an employee. The employees are working and you are probably correct, not all have internet access. Let's just say I'm familiar with the industry and a voice for it. 'IT' meaning the whole recovery industry in general. I'm fed up with cry babies that have nothing better to do with their time than post of forums like this. I have tons of cash and work right here where I am. Don't kid yourself, I didn't rip anyone off to get where I am today.
Little man 'Jefijeff' you are trying to be a hero here and please trust me when I say your voice is very small - save it for a day when you might really need it. I mean no insult when I say this, my comment is most sincere.

Quote:

Sorry, I don't know what you are talking about. I honestly don't. I don't see why I would need or want to confront you directly. I guess I am hiding, because I don't want you or anyone else to know who I really am, but I think I can safely say I'm not who you think I am?

And the chance of you revealing your mystery is......

What will it cost us to be able to tap your vast knowledge?

Kind of like Master Card......Priceless.........
I'm sort of an 'Egghead' Jedijeff, (I guess I could have used that as my 'unregistered name') I pride myself in knowing a lot about everthing. I share what I want to, and nothing else.
It's been my pleasure communicating with you. Take Care.

It will take much more than an "egghead" to change my opinion that this company does not use illegal tactics to "collect" money.

Now I have seen and read it all on this forum, but these incompetent and completely useless comments take the cake - but thanks for the laugh, once again!

"I pride myself in knowing a lot about everthing."
"I have tons of cash".

You clearly are not as smart as you think you are, time to wake up because you can't fool anyone here with your lack of knowledge and intelligence regarding the way collection agencies as much as you like to shoot the shit here, we are way above your level.

You must find great amusement in not having a life and centering yourself around here these days jabbering on about things you don't even understand.

Although I would like to hope you "little man" could just wake up and be gone, I know that you will try and post someting intelligent which of course you cannot. In any event, I'm sure it will provide us all with a laugh or two again, at your expense.

Now take Jedijeff as an example to strive and be like. He has shut you down so many times. He, unlike yourself, clearly researches everything he types and knows 100% about what he is talking about. You could only wish to be as smart as him - keep dreaming, you are lost and personally, I don't want people like you to be found - you don't do good for anybody.

Does this pertain to just the US? What if you live in Ontario - can you give any advice?

Advice.... into what regard? What is your issue?

Oh Oh, let me answer this one jedijeff13 -
Pay your bill.

Let me follow up Meme's post:

Verify your bill. And if you owe money, pay it. But do not pay a single penny until you receive verification of the debtor and the amount. Canadian law requires all debt collectors to verify the debt. Until you receive it in writing, send no money. You can get some more info here:

http://www.ontario.ca/

(I hope the link gets back up soon. I mean, it is a government website).

Ignore their threats of jail and procecution - they cannot touch you until you receive a letter thru the mail stating the debt. No matter what they claim.

Now, if by chance they send you the verification letter, contact the debtor if you are unsure thet you owe the amount. If you do not, send them a letter back disputing the owed money. If you do owe, pay as quickly as possible.


Meme was sorta on the track. But think of it this way - if I showed up at your door and demanded $2000, you asked me way and I said "pay me or I will call the cops", what would you think? Apply that thought when a collector calls. If they won't tell you the reason for the debt, don't give them the money. The law protects you from such harassment and illegal collection activities. They law in the US is very similar to the law in Canada.

The only smart advice you've given Jedi, is pay off your debt.

Wow I must say the first time i came on the website it sickened me, listening to all you people cry about something you brought on yourself's. You people are the welfare cases that arent man enough to get a job and keep it, to the point where you need to borrow money and not pay it back, you all cry about being bankrupt and having "three" children to look after, how come most "adults" dont have that problem, is it because you people are lazy??? As for these so called fake collectors, yeah maybe they do take money from people that dont have it, but there only doing their jobs, which pays i hell of alot more money then your people have ever seen, so good for them...They have to be educated or they wouldnt have been hired, maybe you welfare a**holes, need to look into going to college.. oh but wait you'll probably have to borrow money to afford it. My point being dont sit here and insult people who are just doing there jobs, and if you cant pay the money back that you borrowed then dont take it out in the first place, do you retards think everythings given to you?? i'll call this a lesson learned

BLAH BLAH BLAH BLAH BLAH BLAH BLAH BLAH BLAH BLAH
Whatever Mr. Bell. Karma will come back at you 10 folds for using the word retard.

Did I also mention: BLAH BLAH BLAH BLAH BLAH BLAH BLAH BLAH BLAH BLAH. Your insults are pathetic, do you really think you have hurt anybody's feelings? Give me a break you moron.

Well said Steelers1.

If as you said you have Mr. Bell, read this forum, been on here before I presume, then your little mind closed pea brain would realize that not all people owe this company, are trying to be scammed by this company or they have been completely threatened verbally (might I add illegally) by this company.

What "sickens me" is people like you who cast stones without evening knowing the situation.

P.S. I don't ever recall anyone crying on here about their personal situations - you really are a piece of unintelligent cake who has had too much sugar clouding your brain!

I did have a chuckle of out this one though - wonders never cease what low life's will come out of the wood work around here thinking they are so high and mighty with their pathetic comments and lack of intelligence.

Get a life Mr. Bell and bugger off!

You guys can't stand to hear (read) the truth. Mr. Bell, Kudos!

Steelers1, I guess it would be fair to say that Karma will come back at you 10 folds for using the word 'moron'?
Why is it okay for all of you cry babies to hurl insults, but not anyone else?

Oddly enough it didn't 'sicken' you to skip out of paying back your debt.

Frankly, the best part of reading your idiotic dogmatic rants is that they permit me to talk to said "Collectors" in the manner they deserve. Prior to this, I always reminded myself that they are people too, just doing their job, and tried to be civil. Now I know otherwise; now I know that they are jingoistic sadists and sociopaths, who undoubtedly prosper at their vocation due to an enjoyment derived from debasing real people and trivializing real problems. Knowing this, I will (in their own parlance), conduct myself accordingly.
Hats off to you all, for showing me the light.

Yes and what will come back to me 10 folds will be nothing but good. Using the word retard is sickening, there is NOTHING wrong with the mentally retarded. And if you noticed I don't see anybody that has come here to get advice calling people names, it is only after members and other guest having debts issues are attacked. We don't tolerate those attacks well. My suggestion is get a life, you have nothing better to do? Pretty sad. And thank you "The Junk" I hope you register and come back often to share any advice you may have to help others.

The amazing thing I notice is that the name slinging always starts from the people that support and protect this company and companies like it. None of us registered users that have had horrible, illegal run-ins ever start the rudeness.

We simply state what has happened to us and how we have been treated. We also did our own research and determined the threats we received were threats on false, fraudulent charges.

I have not talked personally with anyone else, but from what I have read, we have ALL experienced the same situations with this company. This company engages in illegal activity. And then they hide behind their actions here, and do nothing but avoid our questions.

It doesn't take a brain surgeon to know that something stinks in Rome (or Markham for that matter).

Oh, and Mr. Bell - answer me this:

If I have this $2000 debt with this firm, and I was told I was going to court over it, why have I not been served papers? It's been almost a year. In fact, I was getting three calls a day, until I told them that I wanted verification of the debt and I felt that it was a scam.

After that, I haven't heard a single word. It is two grand. That is a heck of a chunk of change. Then again, $2000 isn't a lot in Canadian dollars - maybe that's why they stopped calling.

Lol, Jedi and Steelers! It's also amazing to me to see that the people with the most hateful posts on this site never register! I think they're just scared...