The enormis fool takes another stab at it.

The Enormis fool has started to retract his statements and try to rebuild his tarnished
image. But as usual he hasn't got a shot.

Here is his latest bit of stupidity.

CREDITWRENCH, the FDCPA, and the law Part VI

Let me preface the following by stating the facts in question. Because, as we all know, CREDITWRENCH CEO Bill Bauer has a propensity to go back and edit stated facts to suit his own position, after he discovers he's wrong.

CREDITWRENCH CEO Bill Bauer states on the CREDITWRENCH web site:

Whether or not a collection agency is licensed in any given state or not is not relevant or useful"
The stupid braying jackass still hasn't got it figured out. I guess that he never will because his pride won't let him do that. In net effect, he is trying to prove that pigs can fly and that we can sue under FDCPA if an unlicensed debt collector tries to collect in a state that demands such licenses. What he fails to get through his thick head is the fact that even if one gets so lucky as to find an attorney willing to sue for the few bucks he might get out of it and the $1,000 allowed under FDCPA what has been accomplished is exactly nothing at all. An exercise in futility. Nothing more, nothing less. People want rock solid answers that work and get rid of the problem once and for all, and as the jackass admits, they can get a license and come back and sue you anyway or they can sell or assign it to somebody else who will get the job done. So what did the poor person gain who took his dumb advice? Not enough to be worth the time and trouble of doing. He will never learn but has to keep on braying anyway.

He has further stated in recent days:

a consumer has no standing to sue a collection agency that violates state licensing law.If anybody thinks they have standing to sue in state courts for violation of state license law they had best check with the attorney general of their state and get the right information. Don't take the word of some braying jackass. Call your own state attorney general and ask them the following question "I have a debt collector who is attempting to collect a debt but he is not licensed. Can I sue him for that under state law?" and see for yourself what you are advised. Can you sue under FDCPA? So what is it going to get you if you do? It is going to get you sued anyway by the same debt collector or by another and you gained nothing but the hard experience of listening to the wild statements of another internet jackass.


As with all of his viewpoints, he fails to substantiate his position with either statute or case law. However, you can read my my substantiated position that discredits both his credit repair's website advertisement, and his recent statements on this blog. And, I will re-substantiate them in this post. And
The jackass brayed on. Creditwrench waltezed away with the real truth and the jackass brayed on.

Never listen to the advice of a jackass. You gotta look and see what it is that he is braying at.

His statements are most definitely misleading for the very simple reason that they are going to get you nowhere at all.

Instead of listening to the raucous and irritating braying of a jackass all you have to do is let him go ahead and sue and tell the judge that the debt collector is not licensed to collect debts in your state and if you tell the judge in the right way the judge will have absolutely no choice but the throw the case out of court.

And that will most likely end it once and for all if you told the judge in the right way. Now when it is just that simple who wants to get all fucked up filing lawsuits over FDCPA in a court where the judge probably don't even understand FDCPA very well?

But the poor and misleading advice given by such as Uncle Normie will lead you to grief every time.

In his post for Feb 5 he says the following and I quote:

Thanks to all of you for all the great emails. Watch as I next teach CREDITWRENCH CEO Bill Bauer his greatest lesson ever on the law and the FDCPA.

If this is his greatest lesson ever then he is all done for sure. Of course, his next brayings will be even sillier than the last. Of that we can be certain.

The Truth about Credit Repair companies

The Truth About Credit Repair

The Federal Trade Commission (FTC) recently announced action being taken in 15 different cases against credit repair firms that still are bilking consumers out of millions of dollars annually. It also announced a new consumer education program. Here are some facts on credit repair. Accurate and timely information cannot be removed from your credit report, even if you have paid off a once delinquent debt. The fact that it is paid off is to your credit, however, the fact that the account was once delinquent is also true and can remain on your credit files from up to seven years. Credit repair clinics can't do anything to improve your credit report that you can't do for yourself, at little or no cost, Avoid companies that want you to pay for credit repair services BEFORE they provide any services. It is illegal for telemarketers who offer credit repair services to request payment until six months after they have delivered the services. The Truth No one can legally remove accurate and timely negative information from a credit report. The law, does however allow consumers to request an investigation or reinvestigation of the facts and information in your credit file that you dispute as inaccurate or incomplete. There is no charge for this investigation. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. You may see their advertisements in the newspapers, on TV and on the Internet. You may also hear them on radio or even get fliers in the mail. You may receive a call from telemarketers offering their credit repair services. They all make the same (false) claims: Credit problems? No problem! We can erase your bad credit 100% guaranteed. Create a new credit identity - legally. We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever. The Scam Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, - usually paid up-front - to clean up your credit report so you can get a car loan, a home mortgage, insurance or even a job. The truth is, says the FTC, is that they can't deliver on their promises and claims. According to hundreds of reports, consumers pay hundreds or thousands of dollars in up-front fees and these companies do nothing to improve your credit report, many credit repair companies simply vanish with consumer's money. The Warning Signs If you decide to respond to a credit repair offer, beware of companies that: Want you to pay for credit repair services BEFORE any services are provided; Do not tell you your legal rights and what you can do yourself for free; Recommend that you do not contact a credit bureau directly; or Advise you to dispute all information in your credit report or take any action that seems illegal such as creating a new credit identity. If you follow any illegal advice, or commit fraud, you also may be subject to prosecution. Reporting Negative Information Bankruptcy information can be reported for up to ten years. Information reported because of an application for a job with a salary of more than $20,000 has no time limit. Information reported because of an application for more than $50,000 worth of credit line or life insurance has no time limitation Default information concerning a US Government insured or guaranteed loan can be reported for seven years after certain guarantor actions Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.