Collector from kouperstein and associates

These guys are absolutely ridiculous.

Don't fall prey to them. I can see they are still using the same "suing" threat if you don't pay "by noon" and upping the charges by a couple thousand.

There is a topic on this forum. Just search for Paul Kuperstein and Associates or Pay Day Loan on this forum and you will find out exactly what these idiot scammers are all about.

Don't fall prey "Flyingsfun" - they are a boggus, scamming company and will try and use every means possible to scam people out of their money.

And so it continues . . . . .

I couldn't find anything with that spelling, but they ar only trying to scare you. If you have their address, send them a debt validation lettr, this is to make them prove that the debt is valid, isn't out of the SOL, and that they are legally able to collect on this. I have had collectors' tell me they same thing. They hope they can scare you onto paying them. My suggestion is, don't talk to them on the phone, only via mail, you won't get anything but threats and abuse, which, by the way, violates FDCRA violations..Keep us posted..KAren :D

Found what you are looking for ,I think, at http://www.debtconsolidationcare.com/forums/kupferstein-info-1.html there are a couple of pages about them. Read what others' have said and done with them..Hope this helps..KAren :D

Wow! They sound pretty ridiculous. How can it go from $800 to $2400 overnight...And they said they are going to sue you ??? I wouldn't give them one cent.

Be aware of your consumer rights while dealing with the collectors. There are federal laws to offer you legal protection from such illegal crooks. Most of these companies try to scam people and make illegal money. Don't be intimidated by their shady collection practices. The first thing you need to do is get the debt validated by them in writing. This will make sure that they have your file and they will be posting money towards your account. You are not required to pay anything until they have given you the info in writing.

I just was speaking to a credit counsellor and do indeed wish to clear this up, however, they scare me with telling me they are going to charge me with fraud?? how so? I don't know what to do? This guy "Sargent" doesn't want to listen or cares to. I want to pay it down, he advises I can't even do that..it is his way or nothing.
These people have my old address..should I give them my new address in the event the do serve me with papers?

Thanks in advance.

They CANNOT charge you with fraud, DO NOT GIVE them your new address - DO NOT!

If they don't like what you are offering them, tough luck on them! Do not converse with them on the phone anymore rather communicate with them through registered mail.

DO NOT be intimidated by these people, that is what they prey on. They cannot do anything to you.

P.S. THEY WILL never serve you papers - I have been waiting over a year for that!

you have been waiting?? from the same people?
This is all new to me and I am so nervous and scared. They told me that they are going to garnish my wages, seize my account etc.,
Initially, upon obtaining the loan, papers were signed..therefore, doesn't that entitle them to do what they are stating?

Same boggus company.

They cannot garnish your wages UNLESS they have a court order - 100% true. Any good Human Resources within a company knows this law - just give them a heads up and tell them YOU don't authorize it and it will be fine. Suffice to say, the boggus company won't try this. I have heard everything from them such as "you are going to jail", "you owe us $2400 by noon or we are going to sue", "we will serve you at work" - THESE things have ever happened and I guarantee you won't. They were not able to intimidate me and I figure they woke up and realized that. Stand your ground and don't fall prey to them. Don't speak to them on the phone. If you do, tell them you want them to validate the debt by registered mail and believe me they will hang up on you and that will be the end of it. They may try calling sometime later but tell the same.

Court don't favor companies like these because they charge insane amounts of interest and they will be in your favor - cut and dry. The boggus companies know this therefore it very rarely makes it to court. AND if it does, they have to file documentation with the court and serve you with the appropriate documents to defend yourself. AND again if it does go to court (which it more likely than not will not), tell the judge that you tried to work out a payment plan with them but they refused - the courts will be on your side.

They cannot seize you account - how pathetic that they would even try and use this line. If you are that worried about your account, close it down and open a new one - it is not hard to do.

Keep your chin up and don't let them get to you, they cannot do anything to you.

Also, you mentioned that you spoke with a credit counsellor, if (and I say loosely again) it does go to court - the judge will be even more in your favor because it shows that you tried to work something out with these leeches and they refused.

Besides once you join a credit counselling program, all communication will cease with you and go through the credit counsellor.

Sorry (I just want to give you as much information as possible to help you out) - if it does go to court, the boggus collection will not try and get 2,400 out of you because they have to prove where that dollar amount is coming from.

It won't go to court because it will bring them to the front with all their illegal activities which they won't want.

Thank you so much for your input!! As you can probably tell, I am quite nervous and bothered by this. Since they do not have my current address, should they send papers for court, it will obviously revert to my old address, therefore, more than likely I will not know the court date and a judgement will be issued against me. Am I correct?

I am not trying to avoid paying this debt, it is just that their demands are not reasonable and therefore impossible to contend with.

Looking forward to your reply.

Thanks,
Tina

Like I said before, it probably won't get to the point. But to put your mind at ease - send them a registered letter requesting validation of the debt and include an address they can respond back to for future correspondance - this way you have it documented that you asked for the information AND that you provided them with an address in case it does go to court and they state they did try to get a hold of you but were unsuccessful because you moved. Either way it covers yourself. Besides if they do try to get a garnishment through the court, your company will be copied on the documents anyway which as I indicated before, give your HR department a heads up. This way you are covered on all angles.

Don't be surprised if they do not send you an correspondance - THEY NEVER DO - ask anyone here that has had the unfortunate please of dealing with them.

And again, don't be bothered with it as you know the truth about them now and you know what to do. Rest easy.

P.S. Read the forum on Paul Kuperstein - after that you will most certainly rest easy.

Thank you again for your input!
I have tried to allocate an address for them and have not been successful in doing so. I just emailed my payroll department to advise them of this occurance.

Once again, thank you for your input with helping me set my mind at ease. As mentioned I am not trying to run away from this debt,I do want to pay it just not by the tactics that they are demanding.

I will go the credit counselling next week and see if they can help me with arranging a solution.

Kind regards,
Tina

Go on the Paul Kuperstein or Pay Day Loan Forum and your will find their address and phone number.

Sorry I don't have the direct link but someone else here might.

Nothing more I need to say, flying. It's all been said.

Just be a broken record to these junk debt buyers. Continue to demand a debt validation letter. Until you receive one, they cannot sue you. It is the law in both the US and Canada that you must receive a letter from the collector telling you the debt, original creditor and the rights you have to dispute.

Stand firm - they are crooks. I have been waiting over 18 months to "be served" from this company. It'll never happen. And why? Cuz they are not licensed to collect debt in the US. So you will never be served nor ever get a debt letter from them.




And now, I would like to present a guest post from one of the employees of "the law office", slamming us, telling us to get a life and claiming they you should just pay the debt. Allow me to be proactive and say "Welcome back Charline, or Janet, or Mr. David or whomever you are, even though you don't work for the company (wink wink)."