Creditwrench CEO Bill Bauer

http://ping.fm/iABBn

http://ping.fm/fAK9C

The Creditwrench blog talk radio show for March 16th 2009 features
Marcy Solmon of Edmond Oklahoma being interviewed by talkshow host Bill
Bauer of Oklahoma City, Oklahoma. The topic of discussion is about
Marcy’s ideas on how to bring about licensing of debt collectors in
Oklahoma.

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creditwrench

Creditwrench teaches you how to defeat abusive debtcollectors and win in court without lawyers.

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againlisaangle0028@yahoo.comnms1107@yahoo.com

Check out Levine v. World Financial Network, No. 08-10416 (11th Cir.
Jan. 12, 2008), a new Fair Credit Reporting Act decision from the
Eleventh Circuit. Experian, the mammoth credit reporting company, sold
a credit report about the plaintiff to the plaintiff’s former creditor.
The plaintiff had paid the debt in full and had no existing account
with the creditor. At the time Experian sold the credit report, there
purportedly existed differing views on whether providing a credit
report to a former creditor violates the Fair Credit Report Act, with
the Fifth Circuit arguably holding that it doesn’t and a Federal Trade
Commission advisory letter holding that it does. (To see why the Fifth
Circuit’s ruling does not necessarily authorize what Experian did in
Levine, take a gander at Wilting v. Progressive County Mut. Ins. Co.,
227 F.3d 474 (5th Cir. 2000).) So, based on this difference of opinion,
and the Supreme Court’s recent decision in Safeco Ins. Co. of Am. v.
Burr, 127 S. Ct. 2201 (2007), the Eleventh Circuit held that Experian
could not be held liable for a “willful” violation of FCRA (which is
required to obtain statutory damages under the Act). FCRA has become
pretty darn hard to enforce in a private case.

Old Debt Collection I oweQUESTION:When I was in college I had several
credit cards that I was unable to pay off. The credit card was opened
in 1997 and closed by the credit card company in 2002. A couple years
ago I was trying to repair my credit and make arrangements to pay off
old debts. I made the last payment May of 2007. Since that date this
outstanding debt has fallen off of my credit and is no longer showing
even in the History. I just recieved a civil summons and have to
respond by the 2 week in January. They want me to pay the agreed
settlement of $953. Since this has fallen off of my credit am I still
obligated to pay this? I was told in the state of North Carolina that
there is a statute of limitations for outstanding debt collections of 2
years. I am not sure if this is correct. I want to know my rights
before I move forward.ANSWER:Statute of limitations for NC appears to
be 3 years. Did you also make payments on this debt in a futile attempt
to clear it up? If so who did you pay it to?

Angela Fitch Subject: being sued by collection agency for medical bill!
Question: Hi I recently was served papers to go to court. I’m 28 years
old and I stay home with my 3 daughters my husband works at the post
office as a contracted mail carrier and the contract is in my name and
he does the work!We make an average paycheck once a month but after
paying our bills we are broke! My Husband and kids are on medicaid! I
just cant see how I am going to pay this bill 4500.00 its bad enough I
went to the ER with a kidney infection and I knew thats what it was and
told them!I’ve never had a Cat scan before so when they took me to have
that done I had no clue! I’m not a Dr but I know I didn’t need a Cat
scan to tell me I had a kidney infection!! I was very upset when I
realized what was going on but it had already been done! When the nurse
brought the papers. I cant afford this especially right now with the
economy the way it is! Please Guide me in the right direction as to
what I should do!! Answer: click here to enlarge I can tell you what is
going to happen with about a 99% certainty of being correct. First of
all, almost regardless of what you do the judge will grant a judgment
against you. Then they will get a garnishment and go after your bank
accounts, savings account (if any) then try to put a garnishment
against your paycheck. They can also go after any other assets you
might have.The contract is in your name so I assume that the checks are
also in your name. You would have to check your state garnishment laws
to see what all they can do.Now that you know the worst of what they
can do to you, let’s see what you can do to beat the law of averages
and turn that around. First of all you need to file a response to the
summons and complaint. You will also need to prepare a certificate of
mailing to send to the plaintiff’s attorney when you send them a copy
of your response. Then, if the summons was their first contact with you
or their first contact with you was within 30 days ago then you also
need to send a demand for validation of the ebt. That will stop them
from pursuing the debt or the case until they provide you with the
demanded validation.You also need to prepare and send your demand for
admissions at the same time which contains at least 40 things you
demand they admit to. When you get their answers back you will have the
material you need to send them demand for production of documents based
on their admissions or denials. Once they respond to your demand for
production of documents you may have to go back to them with demand for
interrogatories which are questions you demand they respond to.Count on
the fact that they will try to get away with giving you nothing at all.
In the process they will almost certainly violate various parts of your
state and/or local rules of procedure so you will need to obtain copies
of those and learn them as well as possible. If they violate you will
want to file motion to have them deemed admitted or file motion to
compel them to answer or produce the demanded documentation. In the
process you will want to catch them violating federal law as well. It
is almost a guarantee that they will do just that giving you a cause of
action to sue them in federal court where you can make it all go away
and actually get paid quite well for all the time and trouble they have
caused you.Another thing you will want to do is to find a way to get
your banking done without getting your money garnished. If you will
send me an email I will send you an invite to a brand new banking
system that will let you pay those you must pay using only your
cellphone. Of course, you also get a regular debit card that you can
use in any store or ATM.It works much like paypal except it is free to
join, and it don’t have all the fees that paypal charges you every time
you turn around. If you owe somebody you can simply use any cell phone
to pay them or if they happen to owe you they can pay using their
cellphone even if they are not account holders.Go to a garage sale for
instance and you want to buy something but don’t have the cash in hand
you can pay them with your cellphone. Plan to get your checks cashed
anywhere but at your bank, deposit cash and of course you will get
instant credit so you can upload the cash to your cellphone account
before you even leave the bank and they will never figure out where the
money is going. It will be safe from their greedy grasp.All you have to
do is email me at ceo at creditwrench dot com and I will send you an
invitation to become an account holder. No charge, no obligation. Look
at it and join if you want to and if you don’t, Oh Well.Next you will
want to learn how to do all the things I have mentioned above and I can
teach you all you need to know for less than the price of a half hour
of a lawyers time. I’ll tell you about that if you email me to get in
on the cellphone banking plan.

How about a great new way to do your banking right from your cellphone
wherever you go?
You can pay anybody or get paid via your cellphone now. It works much
like paypal but without the high fees paypal charges. If you want to
order my new ebook, HOW TO WIN LAWSUITS WITHOUT LAWYERS, you can order
it from your cellphone with no problem.

If you would like to learn how to set yourself up so you can pay via
cellphone just send me an email at ceo@creditwrench.com and put PAY BY
CELLPHONE INFO in the subject line. This isn’t a sales gimmick. I’ll
gladly tell you how to do it for free and you have no obligation to
sign up for this new program whatever. Sign up for it or forget it.
It’s all up to you.

Afraid of getting your money garnished? Have your employer pay you
through your cellphone by direct deposit. It is easy for your employer
to set up to do this and it don’t cost him anything.
No debt collector will ever find your money if you sign up with this
banking system. They can’t garnish what they can’t find and they will
never find this one.

Here are some new Creditwrench Blogtalkradio shows.
12-01-08

12-08-08

12-15-08

12-22-08

12-29-08

Questioner: LynnCategory: Collections LawSubject: Medical
BillsQuestion: I have insurance, but even with 90% of everything
covered, ended up owing $1,000.The hospital is a non-profit, but would
not work with me unless I could pay the entire balance off in 6 months
or less. (I could not).So, the bills were turned over to collections.
(an Agency in Greeley, CO, who, ironically, has the majority of its
clients as non-profit, medical organizations!).1) Is it true that I,
personally, had to agree or sign off on their turning this over to
collections, more specifically, to this agency in particular?2) Is it
true the hospital is now likely collecting twice; once in its profit
and loss statement, once selling this to Professional Finance?3) I am
really struggling to keep up with the $50 a month they demand; if I am
making every effort, being sure to pay something each month, keeping in
contact with them,can they still take me to court and garnish my
wages?I did not get sick intentionally. The economy sucks, there have
been lay offs at my company, I struggle to keep utilities on, food on
the table, a roof over my head. How do these people live with
themselves? Must you sell your soul to Satan, to work in collections?
Especially for medical bills?Answer: click here to enlarge1) Is it true
that I, personally, had to agree or sign off on their turning this over
to collections, more specifically, to this agency in
particular?Probably not.2) Is it true the hospital is now likely
collecting twice; once in its profit and loss statement, once selling
this to Professional Finance?I have no knowledge of that subject. Maybe
they did and maybe they didn’t. Depends on their internal bookkeeping
procedures.3) I am really struggling to keep up with the $50 a month
they demand; if I am making every effort, being sure to pay something
each month, keeping in contact with them,can they still take me to
court and garnish my wages?Yes, they can and you should believe that
they will do that sooner or later and start preparing for it now. Above
all, you should never pay another dime to the hospital nor the debt
collector and most especially not to the debt collector. Start learning
all about FDCPA, FCRA and how to catch debt collectors breaking the law
and how to take them to court for their violations. If you do that you
can easily end up making them forget about ever collecting a dime and
make them pay you instead. My students do it all the time.I did not get
sick intentionally. The economy sucks, there have been lay offs at my
company, I struggle to keep utilities on, food on the table, a roof
over my head. How do these people live with themselves? Must you sell
your soul to Satan, to work in collections? Especially for medical
bills?Sounds logical to me. How do these people live with themselves?
Easy! The same way all thugs, corrupt politicians, and other scam
artists live with themselves. They convince themselves that what they
do is right or at least OK and they can make good money fast and easy.
They somehow kid themselves into believing that they won’t get caught.

Thursday night conference call with Richard Cornforth Tomorrow,
Thursday night, December 18th we will be holding a conference call with
Richard Cornforth. The call will start at 7:00 P.M. central time and
will last until 9:00 P.M. This is a free call with no charge or
obligation except that which your telephone company might charge you
for long distance. Nobody will attempt to sell you anything nor attempt
to get you to do or not do anything. It is strictly for informational
purposes.The call will be an actual meeting of Richard Cornforth’s
J~accuse group with Richard Cornforth presiding. Callers attending the
meeting via the conference call instead of actually attending the
meeting will be asked to follow the format of the meeting and not
attempt to hold conversations with other callers. All questions will be
directed to Richard Cornforth and he will be the only one answering
questions. Please use *6 to mute yourself until the time comes to allow
people to ask questions. When you ask questions please identify
yourself by first name only and tell us what state and city you are
from.Richard usually starts each bimonthly meeting off with a lesson
about something or other often about IRS or debt collection. Please
listen quietly until the moderator opens the floor to questions then
you can feel free to jump in and ask questions.The meeting will start
promptly at 7:00 P.M. and will be set up a couple of minutes prior to
the start of the meeting by the moderator.Richard Cornforth is a
nationally known public speaker and travels extensively giving seminars
in many cities each year.The call in number and pin is:. 1-712-432-1601
Pin is 508548#