CREDITWRENCH-TheTruth

CREDITWRENCH CEO Billie E. Bauer, on his own message board, recently mentioned that one should research case law or internet message boards. As has been pointed on this blog previously, CREDITWRENCH CEO Billie E. Bauer depends on internet message boards, the info he's obtained from John Gilha, Bud Hibbs, and google, to support his credit repair scam.

Just recently he told a poster on his own message board that he can't find any case law that defines the SOL on his own credit card debt. Now why would someone claiming to earn $200K per year be concerned with that? Well frankly, because he couldn't make the $27 minimum payments and his Lowe's credit card went into default.

Nonetheless, contrary to his statement that there is no published case law on the SOL for credit card debt in Oklahoma, a quick search on either pacer or westlaw reveals quite a bit.

CREDITWRENCH CEO Billie E. Bauer's statement that there is no published case law on the SOL for credit card debt is false and misleading.

In yet another attempt to scam the public, and commit an act of fraud, CREDITWRENCH CEO Bill Bauer claims to have had the contents of his house stolen, as well as a fire.

Using yet another of his alias's, he set up a paypal account to request "donations" to help him through this difficult time.

The problem is, the fire department has no record of any fire at his residence. According to his local fire department, they never responded to a call at his address.

This all falls in line with CREDITWRENCH CEO Bill Bauer's proven history and inability to manage his finances.

However, the above goes far beyond his usual false and misleading information. What he undertook in this instance is clearly a criminal act, punishable by imprisonment.

Today in a discussion with CREDITWRENCH CEO Billie Bauer, he revealed the entire CREDITWRENCH method. And I quote:

the idea is to get people to do their own research and learn for themselves

There you have it folks, right from CREDITWRENCH CEO Billie Bauer himself. You pay him $400.00 and google all the research yourself. He admittedly can do nothing for you.

CREDITWRECH is nothing but a rip-off as CREDITWRENCH CEO Billie Bauer himself has just admitted.

As of today's date, CREDITWRENCH CEO Billie Bauer is not being hounded by, not just one, but two collection agencies for defaulting on his own credit cards.

Here is the interesting part. CREDITWRENCH CEO Billie Bauer has claimed an annual income of $200,000 per year. However, currently the defaulted balance on his Lowe's credit card is in the neighborhood of $500.00. The other card he defaulted on has a credit limit of $400.00

Someone that earns $200,000 per year does not apply for a credit card with a $400.00 credit limit, half of which apply to "fees".

The above information clearly points to the fact that anything CREDITWRENCH CEO Billie Bauer states is false and misleading.

CREDITWRENCH CEO Bill Bauer is being contacted by a collection agency because of his inability pay even the $50.00 minimum payment on his credit card.

Taking his immoral approach of failing to live up to his legal obligations to the next level, he now publicly admits he is attempting to entrap the collector into FDCPA violations. This public information can now be used by the collection agency as a defense in any FDCPA lawsuit.

Yesterday, CREDITWRENCH CEO Bill Bauer posted a recording of his latest conversation with the collector, and claims the collector committed 2 FDCPA violations. Let's examine CREDITWRENCH CEO Bill Bauer's false and misleading interpretation of these alleged violations.

1. Using a false identity.
Collectors quite commonly use alias's or "desk names" as they're known. The purpose of this is to protect the privacy of the collectors personal information from the people they contact. The courts have ruled this is permissable, and not a violation of the FDCPA.

2. Overshadowing.
Continuted collection activity during the 30 day validation period is not overshadowing. In fact, a lawsuit can even be filed against a debtor during the 30 day validation period. The courts have ruled this is not overshadowing as the 30 day validation period is not a grace period in which collection activity must stop.

CREDITWRENCH CEO Bill Bauer stating the collector contacting him yesterday committed violations of the FDCPA is false and misleading.

In various postings around the internet, CREDITWRENCH CEO Bill Bauer claims to be Americas foremost credit expert.

However, in a discussion yesterday he was unable to answer a simple question on the Statute of Limitations of a debt; his own.

Is it important to know what the status of a debt relative to a states statute of limitations? It's probably the single most important piece of information one should know regarding their defaulted debts. It can be an absolute defense in case a suit is filed, it triggers certain protections afforded by the FDCPA and state laws, and in some instances it actually eliminates the debt.

CREDITWRENCH CEO Bill Bauer claiming to be America's foremost credit expert is false and misleading.

Today I was having a discussion with CREDITWRENCH CEO Bill Bauer, who recently has been hounded by bill collectors for failing to pay his financial obligations. CREDITWRENCH CEO Bill Bauer's feeling is that he must receive a notice of his validation rights before the collection agency that is hounding him can continue collection activity.

In fact, he felt so strongly about his postion that he was willing to bet money on it. Of course he'd be willing to bet money, because he doesn't have any money to lose. Hence his current situation of being contacted by a collection agency.

The truth of course is clearly stated in the FDCPA. The plain language of section 1692g(a) does not require that a Validation of Debt Notice must be received by a debtor. Instead, the plain language states that such a Notice need only be sent to a debtor.

CREDITWRENCH CEO Bill Bauer's position that the FDCPA requires he receive the Validation of Debt Notice before collection activity can continue is false and misleading.

At that time, a web and newsgroup blitz will begin in order to assure instant exposure of the new web site.

Thanks to everyone for their support and suggestions

Yesterday, CREDITWRENCH CEO Bill Bauer put up a self-serving poll on a message board. It was to vote for if he should be banned or not. Problem is, he fixed it so there was only one way to vote; for him. Now I ask, what kind of idiot rigs a vote on a message board?

Then, in a futile effort to run up the vote, he makes a critical mistake as I knew he would. He uses another alias of his to help him. Guess who? Yep, none other than KayKay29

This along with other information I have been gathering, now provides me with irrefutable proof that kaykay29 is indeed CREDITWRENCH CEO Bill Bauer.

So what, you might ask? Well among other things, it provides evidence of false advertising of his credit repair scam.

Tomorrow I will post further information on this whole scam.

useless link

As just further evidence that CREDITWRENCH CEO Bill Bauer knows nothing about the FDCPA, he told a collector today:

Why do you think FDCPA was put in place? To help protect consumers? Hardly.
FDCPA was put in place to protect debt collectors who do not use abusive
collection practices from the unfair competition presented by those debt
collectors who do use abusve debt collection practice.

Is he right or wrong? Obviously he's wrong and here's why.

The FDCPA falls under Title 15 Section Chapter 41 of the US Code. Chapter 41 is named Consumer Credit Protection. Chapter 41 deals entirely with consumer protection laws, not business protection. If it was designed for business protection it would more properly fall under restraint of trade law under Chapter 1.

If that isn't convincing enough, one only needs to read Subchapter V(a):

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy

V(b)....purpose of this subchapter to eliminate abusive debt collection practices by debt collectors.....and to promote consistent State action to protect consumers against debt collection abuses.

Now it only stands to reason that if CREDITWRENCH CEO Bill Bauer doesn't understand consumer protection statutes, the intent of Congress in establishing such statutes, he would be ineffective in using them to help a student. And, that has been exactly the sentiment of former student's who have emailed me. To quote one such student: "Bill Bauer doesn't know shit." Couldn't have said it better myself.

CREDITWRENCH CEO Bill Bauer stating that the FDCPA was not put in place to protect consumers is false and misleading.

Recently, in a disagreement with many credit professionals, CREDITWRENCH CEO Bill Bauer threatened:

...here is a few more combatants and as of now I'm going to make sure they learn about this message board....And if I ever get banned I will then double and triple the amount of...debt collector bashers in here

Unable to maintain any professional demeanor, even on a message forum, CREDITWRENCH Bill Bauer is only able to resort to harassing threats to support his postions. This is the primary reason he has been banned from all other credit forums on the internet. The secondary reason is his continued insistence on spreading false and misleading information as I have pointed out numerous times on this blog

The courts define harassment as "repeated, unwanted contact from a person or group of people". CREDITWRENCH CEO Bill Bauer's suggestion that he will enlist numerous others to disrupt the current friendly atmosphere of a particular message board, certainly fits the legal definition of harassment.

In recent years, the courts have extended to internet communications, the Federal stalking and harassment statutes including 18 USC § 2261A and 47 USC § 223. In fact, the landmark case of United States v. Young, 1999 U.S. App. LEXIS 32721 (4th Cir. 1999) led to the ammendement of the above statute to include the internet.

CREDITWRENCH CEO Bill Bauer is now treading on very thin ice. The resources of this board he is threatening run deeper than he might imagine. It isn't confined to a group of people living paycheck to paycheck who's only concern is how to avoid the creditor appearing on caller ID that he is used to. I would imagine that, with little provocation, there are a number of people that would be willing to take appropriate legal action against him for his recent threats.

As he advertises on his website, CREDITWRENCH CEO Bill Bauer advocates suing debt collectors for violating the law. However, he fails to see how he himself is not above the law.

The other day in a discussion I was having with CREDITWRENCH CEO Bill Bauer, he referenced the The United States District Court for the Middle District of Florida as being a state court.

Of course I promptly corrected CREDITWRENCH CEO Bill Bauer on yet another of his mistakes regarding our legal system. The United States District Court for the Middle District of Florida is not a state court at all, it is a Federal Court.

Now I ask, how can someone that doesn't understand something as basic as the heirarchy of courts going to teach you anything?


CREDITWRENCH CEO Bill Bauer stating that The United States District Court for the Middle District of Florida is a state court is false and misleading.