Saturday, October 28, 2006

A picture is worth a thousand words

Creditwrench CEO Billie Bauer has made numerous posts all over the internet referencing the "Wrenchmobile". He always builds up this vehicle he uses as transportation as being "all computerized" "specially equipped" "worked on in speed shops" ad nauseum.

Here's an example of how he brags about this "special vehicle." Though the technology he talks about is as ancient as he is, one would think his means of transportation would at least be "adequate".

If you have ever thought that, now is the time to re-think.

Even if I do say so myself, Uncle Normie has performed an exceptional piece of detective work to find out more about this "Wrenchmobile". And, as you will plainly see, even in my wildest dreams I could never have conjured up such a nightmare.

Creditwrench CEO Billie Bauer's only means of transportation.

Ladies and Gentlement, Uncle Normie brings you..........The Wrenchmobile.

Friday, October 27, 2006

Creditwrench banned again

Coming to the realization that Creditwrench Ceo Bille Bauer provides nothing but false and misleading information, he will, from its very inception, be banned from the new PCMholdings forum.

That leaves only one forum on the entire internet that permits Creditwrench CEO Billie Bauer to post false and misleading information....his own.

So, if you're interested in false and misleading information, you will easily find him alone with his numerous alias posting it on his forum.

If you're looking for factual information, just follow any of the many links provided on the right side of this blog.

Further proof that, since the inception of the world's number 1 blog about Creditwrench, the world has become better aware of Creditwrench Ceo Billie Bauer's con games and scams.

Sunday, October 22, 2006

On the lighter side


From an Oklahoma City area Wal-mart store.

Wednesday, October 18, 2006

Creditwrench provides misleading information about consumer rights

Recently, while seeking to clarify their rights, a consumer seeking relief from harassment by a debt collector posed the following question to CREDITWRENCH CEO Billie Bauer:

"Allied Interstate calls me at least 10 times a day and when I see their
ph # on caller ID, I just let it ring. What do I need....."



What was the reply from Creditwrench CEO Billie Bauer?

"First you need http://www.creditwrench.com/18questions.html and that will put a hitch in their git-along pretty fast."

What kind of advice is that?

It's meaningless advice, and simply worsens the exact situation the consumer is trying to avoid; continuing phone calls.

These "18 questions" have absolutely no basis in any consumer protection law. Not surprising though, as has already been pointed out on numerous occasions, CREDITWRENCH CEO Billie Bauer has no knowledge of consumer protection laws.

Subsequent to a debt collectors initial communication with a consumer, the FDCPA only requires that a debt collector disclose that the call is from a debt collector. Their simply stating "this is ABC Debt Collector calling about your past due XYZ account" fully and completely satisfies the disclosure requirements of the FDCPA. They need not provide anything further.

Creditwrench CEO Billie Bauer implying they need to provide anything further is false and misleading, and will do nothing more than further aggrevate an already stressful situation for the consumer.
Next I will discuss what your rights are under the FDCPA, and how you can better deal with a collectors calls. Advice Creditwrench CEO Billie Bauer is obviously unable to provide.

Saturday, October 14, 2006

Creditwrench is proven wrong by a DEBT COLLECTOR

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In a recent discussion with a professional debt collector, CREDITWRENCH CEO Billie Bauer made the following claim:

"Consumer reporting agencies (Experian, Trans Union, and Equifax) search court records for civil money complaints that have not yet been tried, and report these lawsuits against consumer credit reports as Judgments."

I found Creditwrench CEO Billie Bauer's statement above to be false and misleading, as did others.

I requested the professional debt collector respond to CREDITWRENCH CEO Billie Bauer's claim. Though I am a consumer advocate, facts are still facts. And, CREDITWRENCH CEO Billie Bauer's claim is simply not fact.

Accordingly, I have posted, below, the professional debt collectors response which I find to be accurate and factual.

"This is completely false since such an action would effectively deny the consumer the right to due process of law to have the complaint tried in court and determine if there is any liability by the consumer to pay the debt at all. Additionally, the false reporting of a debt as a Judgment on a person’s credit bureau report when in fact the matter has not yet been before a judge, is a clear violation of the FCRA and FACTA (a law that Billie Bauer states he was not aware of and further claims has no application to his illegal credit repair scam).

Billie Bauer’s statement that a yet-to-be-tried lawsuit automatically results in a Judgment against a person’s credit report is false and misleading.

Billie Bauer further stated that the CRA’s will report “pending lawsuits” against a person’s credit report. This is also a false statement, since it is impossible for the CRA’s to have advance knowledge that a creditor is preparing a pleading on a yet-to-be-filed lawsuit for an unpaid debt. Additionally, even if a creditor had intention of filing a lawsuit against a consumer at some point in the future, there is NO coded provision anywhere within the credit reporting system for a “pending lawsuit” to be reported against a consumer’s credit bureau report. Each type of debt carries its own identifying alpha/numeric code with the CRA’s, and when submitting a debt to the credit bureaus for reporting purposes, data furnishers are required to select from among a limited number of pre-determined alpha/numeric codes in order to properly distinguish the type of debt being submitted for reporting (credit card, retail charge account, mortgage, automobile installment loan, etc), as well as the account’s payment status (current, delinquent, charged off, transferred, etc). The fact is, there is NO alpha/numeric code with any of the CRA’s for a “pending lawsuit”. It simply doesn’t exist, so even if a creditor wanted to report a pending lawsuit to consumer's credit report, the creditor would be unable to do so.

Billie Bauer’s statement that “pending lawsuits” are reported to a consumer’s personal credit bureau report is false and misleading.

Finally, in the very same discussion, CREDITWRENCH CEO Billie Bauer also claimed that civil money Judgments are picked up by the CRA’s directly from the courts and reported against the Debtor’s personal credit bureau report. This is entirely false and is a very dangerous statement for Billie Bauer to say to a Judgment Creditor. The CRA’s do not comb through thousands of court records looking for Judgments to report against a person’s credit bureau report, and the courts do not pay clerks to sift and sort through thousands of court records to locate and submit civil money Judgments to the CRA’s for reporting purposes. The fact is, if a Judgment Creditor wants his or her civil money Judgment to appear on the Judgment Debtor’s personal credit bureau report, the Judgment Creditor must obtain an Abstract of Judgment from the court that awarded the Judgment, and the Judgment Creditor must file the document with a County Recorder’s office to perfect a Lien against the Judgment Debtor. The County Recorder will then submit the recorded Judgment to the CRA’s for reporting against the consumer’s personal credit bureau report. If a Judgment Creditor were to make the mistake of accepting the advice of Billie Bauer, the Creditor would falsely assume that his or her Judgment is automatically reported to the credit bureaus when it is awarded in court. Years can go by with the Judgment Creditor waiting for the day when the debtor would be forced to pay the Judgment to clear the tradeline from his credit report. In reality, the Judgment would eventually become stale-dated and unpaid since it was NOT in fact ever reported to the credit bureaus by the court. A Judgment Creditor could stand to lose tens of thousands of dollars in uncollected funds by following Billie Bauer’s dangerous and ill-informed "advice".

Billie Bauer’s statement that a civil money Judgment is automatically reported by the Courts against a consumer’s credit report is false and misleading.

Deceptive practice Creditwrench uses to enroll a "student"

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In a recent effort to enroll a "student" to his illegal credit repair scam, CREDITWRENCH CEO Billie Bauer shed further light on his deceptive con-man ways.

After hearing the potential "student's" story, CREDITWRENCH CEO Billie Bauer implied that he had extensive experience filing suit in Federal Court for FDCPA violations and could "teach" the student how to become a plaintiff himself. These are exact quotes from Creditwrench CEO Billie Bauer:

"....that is the time to become the plaintiff in a federal case against him and his client for violation of FDCPA."

"I had a rock solid case that could be easily proven since I had the evidence....."

"But believe me when I say it is much better to be the plaintiff than it is to be the defendant."

That last one takes the cake. Why should anyone "believe" Creditwrench CEO Billie Bauer? I'll give a very good reason you should not believe Creditwrench CEO Billie Bauer.

Contrary to his intimating so in the above captioned quotes, CREDITWRENCH CEO Billie Bauer has absolutely no experience as a plaintiff in Federal Court in an FDCPA suit. None! Nada! Zippo!

A quick search of all Federal Court filings on PACER for FDCPA suits quickly reveals there has never been a plaintiff with the name Billie Bauer, Bill Bauer, or any of the other various and assorted alias' the con-man uses.

It is recommended that you consult an attorney if your rights have been violated. Contrary to the false assertions of CREDITWRENCH CEO Billie Bauer, a prevailing plaintiff's attorney fees in an FDCPA case must be paid by the defendant. It costs you nothing to enforce your FDCPA rights. That is mandated by Federal Law!!!!

If you insist on proceeding pro se, there are a number of message boards on the right side of this blog where you can the obtain assistance of individuals who do have actual experience in Federal Court as pro se plaintiff's. And, they offer their experience and assistance for free. Unlike CREDITWRENCH CEO Billie Bauer who has absolutely no experience as a pro se plaintiff in a federal FDCPA suit, and wants to charge you.

Wednesday, October 11, 2006

Further evidence Crediwrench is a scam

Recently a consumer told CREDITWRENCH CEO Bille Bauer that the consumer became aware of a pending suit against him after reviewing his credit report, and posed a question regarding this pending suit.

In typical CREDITWRENCH fashion, CREDITWRENCH CEO Bill Bauer proceeded to spout off false and misleading information.

The truth is, a pending suit would not appear on someone's credit report. What this consumer was looking at was a judgment that was entered against him, because he apparently never bothered to defend the suit against him.

CREDITWRENCH CEO Billie Bauer was unable to detect this discrepancy, therefore providing worthless information to the consumer.

Saturday, October 07, 2006

Evolution of a Creditwrench scam

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As has already been shown with irrefutable facts, Creditwrench CEO Billie Bauer obtains all his legal information from this blog. I thought it might be interesting to show how Creditwrench CEO Billie Bauer introduces such material into his credit repair scam in a manner that he can claim credit for it.

Though I could show dozens of examples of his doing this, let's just look at his latest scam.

1. 10-02-06 10:33 PM Creditwrench posts wording of the new amendments to the FDCPA from a press release to his message board. This wording is incomplete and contains variances from the actual amendment.

2. 10-03-06 3:12 AM The exact wording of the FDCPA amendment is posted on this blog. The source of this wording is not revealed...intentionally.

3. 10-03-06 7:13 AM Based on my 3:12 AM posting of the exact FDCPA amendment wording here, Creditwrench copies and pastes it, including a misspelled word. Proof of where he obtained the wording he now takes credit for and claiming he obtained it "directly from the law".

4. 10-03-06 1:15 PM In my blog posting, I now reveal the source of my information here on my blog; the Library of Congress.

5. 10-4-06 7:31 PM Creditwrench again edits his message. Now he refers to the Library of Congress versions of the FDCPA amendments. A source Creditwrench was heretofore unfamiliar with until reading about it here. In this same edit, he now refers to the wording he stole from this blog, the wording he previously claimed he obtained directly from "the law" as "false and misleading".

However, CREDITWRENCH CEO Billie Bauer is confused. The Library of Congress posts each revision of a bill so there are a number of revised versions to choose from. Not knowing what to do, Creditwrench CEO Billie Bauer claims no one knows which version the President will actually sign.

I prove him wrong once again. The Bill has already been signed by the Speaker of the House, and the Vice President. It is final. That version goes to the White House for the President's signature. However, a copy of the actual Bill going to the President cannot be obtained from the Library of Congress. I upload the final version to my own web site and link to it in the post below without revealing the source.

Having been embarassed by my exposure of his obtaining all of his information from this blog, and not knowing how to obtain a copy of a Bill being presented to the President for his signature, Creditwrench CEO is in a quandry.

Creditwrench is now forced to download the final version from my website. But, he's afraid to post it publicly not knowing how I've doctored it. Instead, he is forced to post it in his "student lounge". Which is rather pointless because he has no students.

Now you can see how Creditwrench CEO Billie Bauer really operates. He plays with smoke and mirrors, creating an illusion he can provide accurate information. The proof exists here that he can't. He must continually edit the information he posts as his schemes are exposed on this blog.

Further clear and convincing evidence* that CREDITWRENCH CEO Billie Bauer is a thief, a liar, a con-man, a fraud, and provides nothing more than false and misleading information.

* (I have uploaded every edit Creditwrench made to the aforementioned posts and the links are available from me via email)

Wednesday, October 04, 2006

Official version of S2856 for Creditwrench to copy

---> Here.

He couldn't post it on his message board because I hadn't provided it to him yet. As you know, my blog is his official source of legal information. False and misleading he provides himself.

Don't miss the post below this one!!!!

Tuesday, October 03, 2006

Where does Creditwrench obtain legal information?

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Believe it or not, right here on Uncle Normie's blog. The blog he constantly maligns as containing lies.

Want proof? I have proof positive!

In my prior posting below, I pointed out the inaccurate wording of the amended FDCPA Creditwrench CEO Billie Bauer posted on his message board. Wording he copied and pasted from some press release. I then posted the actual wording of the statute which I obtained from the Library of Congress.

Shortly after my correcting his false and misleading information via this blog, he edited his message board, which coincidently, corresponded exactly to what I posted here.

When I asked him why he edited his message board, he stated here "I went directly to the law itself and posted the correct information".

Now one would think, when I pointed out the false and misleading information CREDITWRENCH CEO Billie Bauer posted on his message board from a press release, he would have gone to a more authoritative source to obtain accurate information. And, he claims he did. What he failed to tell everyone, however, is that the authoritative source was this blog.

How do I know this?

Look at this sentence in my post below, preceeding the wording of the statute:
"The actual wording of the newly ammended FDCPA is as follows:"

Now, notice I misspelled the word "ammended"; it should be amended.

That exact sentence, including the misspelled word "ammended" preceeds the corrected information on Creditwrench CEO Billie Bauer's message board that he claims to have obtained directly from "the law". He cut and pasted the information from this blog, misspelled word and all, to his message board, and then claimed credit for going directly to "the law."

Maybe I should rename this blog from "Creditwrench-thetruth", to "Creditwrench-the official source of legal information for CREDITWRECH CEO Billie Bauer so he can correct his false and misleading information". But, that's a rather long name.

Besides, Creditwrench-thetruth still works as it is the blog where CREDITWRENCH CEO Billie Bauer comes to learn the truth.

Creditwrench's false and misleading information about the ammended FDCPA

As was pointed out previously on tax collection, CREDITWRENCH CEO Billie Bauer depends entirely on press releases for information regarding statutes.

Creditwrench CEO Billie Bauer recently posted this as being the "actual wording" of the newly ammended FDCPA

(3) a clarification that debt collection activities and communications may continue during the 30-day validation period as long as they do not overshadow or are inconsistent with the disclosure of the consumer’s right to dispute the debt or request the name and address of the original creditor.

The actual wording of the newly ammended FDCPA is as follows:

Collection activities and communications that do not otherwise violate this title may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt , or any portion of the debt , is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.

As anyone can plainly see, what CREDITWRENCH CEO Billie Bauer is providing and claiming is the wording of the newly ammended FDCPA was taken from a press release, not the actual statute.

Further proof that information provided by CREDITWRENCH CEO Bille Bauer is false and misleading.

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