Creditwrench-thetruth has now gone to work for Wal-Mart as a greeter.






Look for him. He isn't hard to spot. Here he is so you won't miss him.

Creditwrench-thetruth is an E. Normis squid

PacHealthcare.com Forums : Off Topic Discussions

Topic: New referral technique

Author

Message

E. Normis Expert Member Joined: October 12 2004 Location: United States Online Status: Offline Posts: 1607

Posted: October 19 2006 at 1:03pm | IP Logged In an effort to expose even more consumers to the illegal credit repair scam operated by Creditwrench CEO Bille Bauer, I will be using a few techniques designed specifically to introduce them to The Blog. Here's an one example. Go ahead, try it Edited by E. Normis on October 19 2006 at 1:08pm __________________ you need to study....how to properly deny the truth -- Creditwrench CEO Billie Bauer 9/13/06

What is this new method he plans to use?

HERE IT IS.

MORE SPAM, OF COURSE BECAUSE THAT IS ALL HE KNOWS HOW TO DO!

Yesterday, 11:58 AM

E. Normis Debtor Senior Member Quite Learned Join Date: Jul 2006 Location: Oklahoma Posts: 240

I suggest a thorough reading of Johnson v. MBNA. Go to The Blog and you'll find the link under "frequently requested cases". __________________ The truth about Creditwrench

Caught like a rat in a trap!

Yesterday, 02:51 PM

Max H Junior Member Believer in Synchronicity Join Date: Oct 2006 Location: New York Posts: 1

Quote: Originally Posted by E. Normis Debtor I suggest a thorough reading of Johnson v. MBNA. Go to The Blog and you'll find the link under "frequently requested cases". Why not just post the link right here instead of trying to sucker people into visiting your website? I've seen your spam all over the internet and it isn't appreciated. Here is the link to the Johnson v. MBNA case you would have just posted here if you weren't trying to spam the board. Don't tell us you aren't a spammer because I've seen your spam all over the USENET newsgroups, on the MSN egroups and on the Yahoo egroups and just about every message board on the internet. You ought to be ashamed of yourself.

spam
spammer
rat
squid

Saturday, October 14, 2006

Derek Wanted Criminal Joined: October 12 2004 Location: United States Online Status: Offline Posts: 1005

Posted: October 14 2006 at 3:53pm | IP Logged I have been given the honor of guest authoring a blog entry on Normie's blog dedicated to exposing CREDITWRENCH CEO Billie Bauer for the con-man and scam artist that he is. Normie, the following post may be a bit lengthy for your blog, so you are welcome to edit it as you feel is appropriate: "In a discussion today with CREDITWRENCH CEO Billie Bauer, The first proof of a con job is that it always starts with a lie. Ithere was no conversation between this known and wanted criminal and Creditwrench CEO Billie Bauer today, October 14, 2006. This Bil-LIAR was told to start his so called post by another scam artist who claims to have a blog that is the worlds #1 for something or other but in fact is never read by anybody other than his debt collector buddies, all of whom are known and wanted criminals. The proof of what is said by me is posted on another blog. Once a person is proven to be a liar then nothing else he has to say is important because it will all be nothing but more lies. Mr. Bauer claimed that consumer reporting agencies (Experian, Trans Union, and Equifax) search court records for civil money complaints that have not yet been tried, This is also a lie. It was also not stated anywhere that the credit bureaus search court records for civil money complaints that have not yet been tried. What was said is that judgments sometimes show up on credit reports even though they have not yet been tried. The fact that a judgment has been filed can and sometimes does show up on credit reports. Somehow, this scumbag seems to think that just because he is a debt collector people are going to take whatever he says as the truth, the whole truth and nothing but the truth. The sad fact is that debt collectors are known to be liars, cheats, thieves and general all around scumbags. Lest anyone doubt that fact just look around the internet and see what honest hardworking Ameicans have to say about them. And if that isn't good enough then just look at the multitudes of newspaper articles by reputable journalists and radio or TV stations have put out about these criminals. And if that isn't good enough then you should stop and ask yourself why is that so many states have had to pass laws requiring debt collectors to post huge bonds and get state issued licenses to collect debts in their respective states? The reason is that so many debt collectors have collected huge sums of money for banks, merchants and credit card companies and never returned money to those companies who trusted them to deal with them fairly and honestly only to find out they were being cheated out of tons of money or not being paid at all. Even that hasn't been enough to stem the tide of thievery so the bigger banks and credit card companies have stopped referring their delinquent accounts to debt collectors long ago and now only sell their receiveables to large buyers capable of buying many millions and even billions of dollars worth of delinquent accounts in bundles at a time. They are known as brokers and their business is to buy in bulk and break up the bundles and sell them to the smaller companies in bundles they can afford. And of course, they make huge profits with little or no risk because there is always somebody out there willing to buy those little bundles in the hopes of getting rich by making your life miserable. So now you know the whole story. Never, Never, Never trust a debt collector any further than you can throw him. And never, never, never believe anything they say on the internet or off of it because you will be fed a line of bull if you do. The only thing they know how to do is prey on your gullibility. and report these lawsuits against consumer credit reports as Judgments. 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. This isso obviously wrong that it isn't even funny. Debt collectors often attempt to effectively deny consumers the right to due process of law but there is no possible way that the appearance of a judgment on a credit report would deny the consumer the right to have the complaint tried in court to determine if there is any liability by the consumer to pay the debt at all or not. Neither judges nor juries pay any attention to what a credit bureau might have to say about a defendant's liability or lack of it. Once again, this criminal is proven to not only be a liar but now proven that he knows nothing about the law at all or how it operates. Yet he expects, no, demands that you accept whatever he says as being the truth, the whole truth and nothing but the truth. But the truth is that everything he has written is a total fabrication and that he has no knowledge or understanding of anything. 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. Another loony tune. Credit bureaus and debt collectors alike scoff at the law routinely for the simple reason that they make untold millions of dollars doing so and if the poor debtor wishes to complain about it he has to file a lawsuit which in federal court costs $350.00 up front which is a sum of money that many simply can't afford even if they could find a knowledgeable and competent attorney to take the case. So they normally get away with anything they want to get away with. After all of the proof above that what you may have read or may contemplate reading is nothing but false and mis-leading information, nobody really needs to know much more than that. People who author blogs and other online material are expected to publish accurate information and if they don't then they suffer by reason that nobody pays any attention to what they have to say nor even bother to visit the website or blog. That's why the blog that is being touted as an expert source of information has no visitors other than other debt collectors. One visit is more than enough to cause you to understand that it all a bunch of hooey. And then he threatens reprisal by murder again. Derek Expert Member Joined: October 12 2004 Location: United States Online Status: Offline Posts: 1006 Posted: October 14 2006 at 4:06pm | IP Logged Creditwrench wrote: Oh goodie! More material for all my blogs, egroups and wikis. ....that nobody reads but you. The result of all your internet garbage is no different than if you were to go off into the desert at night and shout into the darkness. Nobody is listening. ...or should I say, nobody WILL be listening when you'll be in the desert one night? Heh heh heh.... __________________ The real question is whether you are capable of murder? ..I think you are. ...you very well might kill...Yeah, Derek, I think you are capable of murder. - Billie Bauer, CreditWrench CEO, 09/12/06

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Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 10/14/2006 05:17:00 PM

Treasury Report Latest Confirmation of Need for Private IRS Debt Collection

ACA Blasts Treasury Union for Fearmongering

MINNEAPOLIS (Oct. 10, 2006) — ACA International, The American Criminals Association (ACA) today pointed to a new report by the Treasury Inspector General for Tax Administration (TIGTA) as fresh evidence of the need for the IRS’s Private Collection Agency (PCA) program and blasted opponents of the program for twisting the report’s conclusions.

The TIGTA report found that IRS computer systems holding or transferring private taxpayer information have received the required Privacy Impact Assessment (PIA) only 54 percent of the time. The E-Government Act of 2002 requires a PIA to be filed with the Office of Privacy and Information Protection for each of the IRS’s 240 systems or projects involving personal data.

“The TIGTA findings that privacy has not been adequately maintained by IRS employees remind us why Congress mandated that the IRS engage the private sector to help them fulfill their mission,” said ACA Director of Government Affairs Jenifer Loon. “While the IRS works diligently to address privacy concerns, taxpayers can be assured that private tax collection agencies are using state-of-the-art technology and best business practices to safeguard privacy while helping to reduce the $300 billion tax collection gap,” Loon said.

“Sadly NTEU, the public employees union representing IRS workers, opposes strengthening privacy for taxpayers by relying on private sector resources and has chosen instead to twist the facts in order to purposely confuse and scare taxpayers,” Loon said. An October 5th press release from the NTEU made unfounded and inaccurate claims that the TIGTA report disapproves of the PCA program. “Contrary to NTEU assertions, the TIGTA report says nothing about the PCA program. This is because PCA’s adhere to more stringent privacy standards and do not even receive tax return information from the IRS.”

Private Collection Agencies (PCAs) have been contracted by the IRS to recover delinquent taxes that the IRS—due to a structure that lacks many tools used professionally and effectively by the private sector—is unable to pursue internally. The initial phase of the program began September 7 and is already exceeding expectations, according to congressional testimony last week by IRS Commissioner Mark Everson.

“Already I’m told (hearsay testimony) we have received over a half a million in cash thus far from some 250-odd taxpayers,” (Government speak for "An average of only $2,000 per each person paying up) Everson told the Homeland Security and Government Affairs Subcommittee on Federal Financial Management, Government Information and International Security.

Responding to questions from the Subcommittee members, Everson indicated the debt collection program was off to a good start. He also pledged to vigilant oversight of the program. “I’m cautiously optimistic that [the program] is going to supplement and bring in more money to help us, but if there are any warts or problems with it, we’re going to be very transparent about it and make whatever adjustments we have to.”

The Privacy Impact Assessment filed for the PCA program can be viewed online at http://www.irs.gov/privacy/article/0,,id=140507,00.html.

The complete TIGTA report is available at http://www.ustreas.gov/tigta/auditreports/2006reports/200620166fr.pdf.

ACA International, the American Criminals Association , is the comprehensive, knowledge-based resource for success in the credit and collection industry. Founded in 1939, ACA brings together more than 6,000 members worldwide, including third-party collection agencies, asset buyers, attorneys, creditors and vendor affiliates. The association establishes (un)ethical standards, produces a wide variety of products, services and publications, and articulates the value of the credit and collection industry to businesses, policymakers and consumers. For more information about ACA International, visit The Caulkin-Groansberg Report

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Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 10/11/2006 12:05:00 PM

A recent furor has erupted about whose version of the new FDCPA rule
changes is the correct version.

The Creditwrench message forum first exerpted portions of the proposed
new FDCPA changes which was taken from the Kaulkin-Ginsberg press
release which loudly proclaimed their participation and effectiveness
in getting the new legislation passed into law. Creditwrench obviously
knew that the Kaulkin-Ginsberg release had to be false and misleading
and his purpose was to expose that fact.

Later, a pediantic moron who calls himself "creditwrench-thetruth"
posted equally putrid garbage about what he claimed to have obtained
from the Library of Congress but was also full of false and misleading
information as usual.

The correct version, also later posted by creditwrench on his forum and
herein copied from the creditwrench message board and the Thomas
Library follows.

Creditwrench
Administrator

Join Date: Oct 2004
Posts: 1,363
Re: FDCPA Changes
Now then, here is the actual wording of the portion of the bill which
is applicable to FDCPA. As you can see there seem to be some
differences between the press release put out by the Caulkin-Groansberg
gag-rag for the benefit of it's ACA (American Criminals Association)
members.

802. Other Amendments
This section makes amendments to the FDCPA. These include:
(1) a clarification that formal pleadings are not initial
communications;
(2) an exception to the definition of initial communication for forms
or notices that do not relate to the collection of a debt and are
required by the Internal Revenue Code of 1986, Title V of the GLBA, or
Federal or State law relating to notice of data security breach or
privacy; and

(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.

Now then, as can be seen by checking the differences between the actual
wording of the bill and the hype and hoopla put out by
Caulkin-Groansberg and their ACA (American Criminals Association)
things are not quite as they would like consumers to believe that they
are.

Caulkin-Groansberg put out their gagrag article loudly proclaiming how
much good they had done for their "hood" by working closely with
legislators to get the new revisions to FDCPA passed in order to
lighten the burdens put upon the collection industry by an old and
outmoded FDCPA which sorely needed revamping.

Looks more like hogwash to me. As can be readily seen, they just
reported the first part of the legislation but didn't talk about the
part underlined in red above. It is that latter part in underlined red
type that is the actual key to the whole thing. They can't overshadow
in the process in anyway and what constitutes overshadowing has already
been well defined by numerous court decisions.

It also puts the further burden on them which is that their actions may
not be inconsistent with the disclosure of the consumer's right to
dispute the debt or request the name and address of the original
creditor.

What it looks like to me is a ready made trap for the overzealous
criminal rather than bringing any great new benefits to America's Most
Wanted Criminals.

What we will have to do is to be certain that we are more keenly
attuned to exactly what is and is not overshadowing or what may or may
not be adjudged to be interference with our right to dispute the debt
or any portion thereof.

What is also inherently obvious in the comparison between the
Caulkin-Groansburg gagrag version and the actual wording is that C-G
did not read or comprehend the full text but rather in it's rush to
publish rubbish chose to ignore the real truth of the matter in order
to further enhance their bragging.
______________ _____
Someone else claims that this version they found somewhere is
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.

This latter is also false and misleading information, but when we
consider the source, we would expect nothing less. Either way, there
are no really essential changes in the wording of the two versions. The
only real difference is in the original caulkin-groansberg press
release version which just goes to prove that you can't believe
anything a debt collector or anyone associated with a debt collector
says.

The version that is much more believeable is taken from the Thomas
Library at Thomas Library version
Here it is.
S.2856

Financial Services Regulatory Relief Act of 2006 (Engrossed Amendment
as Agreed to by House)

SEC. 802. OTHER AMENDMENTS.

*

(a) Legal Pleadings- Section 809 of the Fair Debt Collection
Practices Act (15 U.S.C. 1692g) is amended by adding at the end the
following new subsection:

*

`(d) Legal Pleadings- A communication in the form of a formal
pleading in a civil action shall not be treated as an initial
communication for purposes of subsection (a).'.

*

(b) Notice Provisions- Section 809 of the Fair Debt Collection
Practices Act (15 U.S.C. 1692g) is amended by adding after subsection
(d) (as added by subsection (a) of this section) the following new
subsection:

*

`(e) Notice Provisions- The sending or delivery of any form or
notice which does not relate to the collection of a debt and is
expressly required by the Internal Revenue Code of 1986, title V of
Gramm-Leach-Bliley Act , or any provision of Federal or State law
relating to notice of data security breach or privacy, or any
regulation prescribed under any such provision of law, shall not be
treated as an initial communication in connection with debt collection
for purposes of this section.'.

*

(c) Establishment of Right to Collect Within the First 30 Days-
Section 809(b) of the Fair Debt Collection Practices Act (15 U.S.C.
1692g(b)) is amended by adding at the end the following new sentences:
`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.'.

The real truth is that no version has any validity until it is signed
into law by the president and even then sections of it may be
overturned by the Supremes at any time although it is highly doubtful
that the Supremes will have reason to find fault with any of the above
wording.

Another point is that this isn't the full version of the bill by any
stretch of the imagination. These changes are a very small section of a
much larger bill that mostly deals with banks and banking institutions
and gives them much greater freedom in setting up new branch banks and
lessens the paperwork burdens on the banks when reporting to various
banking and banking related agencies. Some sections also make changes
to GLBA and the requirements about who must send out those yearly
privacy notices previously demanded by GLBA.

Although most of us have not been paying attention to GLBA and those
yearly privacy notices that have been required and even some banks
still do not have the right information nor have they ever complied
with the original requirements of GLBA. Many banks are simply handing
out or mailing out a privacy notice to their new customers at or
shortly after opening a new bank account then never again.

So this isn't just about FDCPA but rather a whole range of financially
related law.

We aren't really going to have reliable information until it is signed
by the President, becomes actual law and has been distributed to the
public and even then we will have to guess how the courts will rule on
various cases before we can really get the whole case law on the new
changes.
__________________
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ceo@creditwrench.com
Creditwrench Blog
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Lawdog
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Joined: March 23 2005
Location: United States
Online Status: Online
Posts: 841

Posted: September 21 2006 at 11:48Am | IP Logged

It is with great pleasure that I announce to the world that our great movie has been accepted and is now a part of the Google Video library and all anyone who wishes to view it need do is to go to WWW.GOOGLE.COM and click on the "video" tab then put PCMHOLDINGS in the search box and it will pop right up and you can watch this great movie which will have you gripping your chair in suspense.

Please consider watching our great movie in the Google video library or clicking on the link below.



__________________
Here it is in all it's glory

Author	Message >
Derek Expert Member Joined: October 12 2004 Location: United States Online Status: Offline Posts: 982	Posted: September 19 2006 at 8:30pm | IP Logged Bil-LIE, if I were to open a collection office in Oklahoma City, would you take a job training some new collectors? __________________ The real question is whether you are capable of murder? ..I think you are. ...you very well might kill...Yeah, Derek, I think you are capable of murder. - Billie Bauer, CreditWrench CEO, 09/12/06
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Lawdog
Propaganda Group



Joined: March 23 2005
Location: United States
Online Status: Online
Posts: 841

Posted: September 17 2006 at 11:48pm | IP Logged

The oddest thing is that Lawdong somehow thinks that nobody will ever see our great new promo movie. I keep telling him that everybody in the debt collection industry will see it and realize it is absolutely the best.

Before we are done distributing it we will have emailed it to every known collection agency, bank, credit card company and debt buyer in the entire world.

Soon they will all know what a great company we are and how technologically advanced we are.

Even the mighty NCO will bow down to us with respect when they have seen our movie.


__________________
Here it is in all it's glory

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Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 9/17/2006 09:58:00 PM

E. Normis
Expert Spin Doctor



Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 1531

Posted: September 17 2006 at 5:28pm | IP Logged

The world's # 1 moron, E. Normis, identified on my CREDITWRENCH-thetruth blog.

__________________
See the PCMHOLDINGS.com promotional movie Absolutly hilarious.

World's #1 Blog about Creditwrench

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Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 9/17/2006 04:18:00 PM

Derek
Expert Putzmeister



Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 978

Posted: September 17 2006 at 11:21am | IP Logged

E. Normis wrote: Creditwrench-thetruth's credibility. Dog, I think you identified the world's #1 dummox.

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Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 9/17/2006 12:42:00 PM