CREDITWRENCH-TheTruth

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.