Taking a powder again Normie?

Just refreshed his blog and got the same 403 error we have seen before when he wipes out his blog so we can't keep track of his screw up. Or so he thinks. He's got a rude surpise waiting for him on that one too.

Forbidden
You don't have permission to access /admin on this server.

So what are you going to come up with next, suckka?

And when you come back up (if you do) you might want to stop and think about what good people are saying about me and my blog. This is from a site review and they don't quite agree with you. Of course, nobody does.

Rated 8 on Monday, 14 February 2005
Great advice for the average person trying to pay off bills.
Rated by gina

Rated 10 on Thursday, 13 May 2004
I am a debt collector and own my own collection agency. Naturally, I don't care for the general tone of the blog but even so I must say that the man is doing a great job and is obviously extremely knowledgeable. I also have to agree that debt collectors who abuse people and violate the law just because they can get away with it need to have a good strong dose of Creditwrench. He isn't about beating creditors but teaches people their rights under the law and how to enforce them. I'm a black woman so rights are very important to me just as they should be to all Americans and if I expect others to respect my rights and pay for it dearly when and if they abuse me then I have to respect the rights of others too. And that is what this blog is all about, and its not about beating up on debt collectors even though it seems to be.
Kate Grayson

Rated 3 on Wednesday, 12 May 2004
3 cause these site will help me find a job, and bill collectors are not scalwags or bad bad people this site portrays them as. People in america have to much freedom and most of think we have the right to default on a bill and never hear of it again...wrong the bottom line is that somebody is out of money, and if they are gonna pay me and 150 co-workers between 35-50k a year to recover it it must be a big deal to them!
Rated by Randy

Rated 8 on Friday, 19 March 2004
I have one of your pleadings library CD-ROM's and have been getting ready to use some of it in some trafic cases. I realy do not have alot of time to write but I do want to say keep up the good work. Adam
Rated by adam


Rated 10 on Monday, 12 May 2003
Bill Bauer is unquestionably the best there is when it comes to teaching about debt and credit problems and how to resolve them. He has helped thousands of people achieve great credit over the years and gotten them out of many tough situations they thought they would never be able to resolve. If you really need some serious help with your credit and debt problems, you need to visit Bill's websites and message board and learn how to do the job right.
Rated by Paul Gadget

Rated 10 on Saturday, 10 May 2003
Creditwrench really rocks. It is beyond a shadow of a doubt the greatest resource on the entire web dealing with debt and credit issues and helps for those with credit and debt problems. And its only $200 for the entire paid course which can save you more money than you ever dreamed possible.
Rated by Harold Jones

You got that sukka? Get the picture? If not then get it and get it good because despite the shit drivel you put out, lots and lots of other people have a whole lot different opinion.

By the way, just keep up your stupid shit game with the webcounters. Every time you put up a new one trying to up the ante I'll call you and raise you double and by the time we get to maybe 10 or 20 million as a starter everybody will know for sure that you are lying through your teeth. Just like all the rest Normie, it is all a silly stupid game you can't possibly win.

You want to know why you can't possibly win? I'll tell you why. I've been fighting punks like you for the last 25 years now. Since back before there was an internet as we know it today. Back then it was all done on networks such as FIDO NET which is still available in the newsgroups. All there was back then was message boards operated on dial up modems. I had one starting in 1982 using a TI/994a which is a computer you most likely never saw one of. We had a 300 baud modem to start off with and then went to 600, 1200, 2400, 14.4K, 28K, 36K and finally the 56K modem.

We were known as SYSOPS back then. That stands for SYSTEMS OPERATOR and the old TI wasn't equipped to auto answer so I had to design and build my own system out of opto-leds connected through the joystick port to make it detect the incoming ring and auto answer.

Then I moved on to the IBM 8080, then the 286, the 486, the 586 and then into the pentiums. I was a design engineer working for Minneapolis Honeywell starting in 1975 and we built and used the old Honeywell 606. Man that was a monster. It would eat up all the space of a two car garage so fast you wouldn't believe it.

Helped design the first hard drive which was a 90 megabyte monster. We thought nobody would ever need anything bigger than that back then. It was a real improvement over the old tape drives.

Anyway Normie, we used to get into some of the damnedest fights you ever heard tell of back on the old FIDO 147 net. Then came Compuserve and the rush to the internet was on. Wasn't much back then but it was considered a monster system. And I got on and it wasn't long before the wars started on Compuserve too.

Once I got CREDITWRENCH going that really brought out the stupid ones like you. There was Lizard King, CZAR, jlynn, Roni, NanaC, My3sonburns, Flyingifr, Butch, Villanova, BKEV, and a bunch more I can't even remember the names of and I've run them all off the berry patch and yes, got booted off of just about every message board out there.
Many on Creditnet would beg others not to get started with me because they knew things would get way too hot much too fast.

And so I started my own which you know all about. So if you think that a little jackass punk like you can whip THE WRENCH you had best think again because it isn't going to happen. As I've told you many times, each time I get some jackass like you on my tail all they do is make me that much smarter, that much more experienced and that much more able to fight the next sicko that tries it and there will always be another one just around the corner waiting to pounce.

You see, that is the price you pay for being successful. Somebody will always come along thinking they can lay you low. It is much like the gun fighters of the old west. Once you get a rep for being a gun fighter some drunken stumble bum will always be waiting, lurking in some hidey hole to shoot you in the back so they can try to claim the glory of having shot old "JESSIE" down. Maybe you are too young to remember the old country western song about the "dirty little dog that shot poor old Jessie James in the back." Whoever that was, he was hated nationwide for his cowardly act and that is what is beginning to happen to you.

Only difference is that you aren't ever going to get that lucky shot in.

Stealing a hit counter

Explaining to a fucking low life sneak thief.

When you get something with a condition attached to it what you got wasn't free at all. If you get it but don't comply with the conditions under which you got it then it is the same as stealing it. You too stupid to understand that or is it that you are just naturally such a thief that you didn't think of that?

Yes, I didn't follow the TOS for a free hit counter. How do you steal something that was offered to you free?
OK, let's do put it in perspective. Yes, I did get a house forclosed on me. Two of them side by side as a matter of fact. And like millions of other people, I got in over my head because a tornado passed close by and ripped the roofs off of both of them. I couldn't wait for the insurance to settle up so I had to put the roof back on both of them.
I also lost my two renters because they couldn't stay in the duplex with no roof over their heads. So they moved out and stuck me with their gas and electric and water bills on top of the tornado damage.
It took too long to get the insurance to settle up and I got behind on the payments and the bank foreclosed on the two properties. If that is "stealing" two houses then yes, I'm a thief but at least I'm not a fucking low life sneak thief like you.

Now, let's put it in perspective. According to public foreclosure records, CREDITWRENCH CEO Bill Bauer tried to steal a whole fucking house.

And of course it hurt my credit for a few years too. But that was long before I learned how to get defective judgments vacated. If that happened now they wouldn't get to first base with taking my property that way.

You see Normie, I learn from my mistakes and that is something you never do.

It takes a man to admit his mistakes and the fact that he don't always know it all.
People like you never admit their mistakes and think they know it all and so they never learn. They just keep on getting kicked in the nuts.

Then when they reach the end of their rope they just whimper and snivel and find somebody else to blame it on. If they can't do that then they try to lie their way out of the mess they created for themselves. And that is exactly what you are doing.

When the going gets tough the tough get going and you are learning that the hard way.

Uncle Normie needs to find greener pastures.

The peculiar (and annoying) tendency for the ignorant and irresponsible to nitpick and quibble manifests itself in three distinct ways: back-seat driving, armchair quarterbacking and carping.

Every single measure taken by the CREDITWRENCH to wage the war on abusive debt collectors and the credit bureaus has been opposed by the Uncle Normie. Yet he has no strategy, no plan, no proposals other than "everything CREDITWRENCH has done is wrong." Let's examine the Uncle Normie's complaints about CREDITWRENCH, and see what pattern emerges. The nature of the debt collectors and their terroristic threats demand that some techniques which are legal to be used be put to good use by consumers. These measures, signed into law by Congress, or devised by the simple application of good old common sense have been overwhelmingly opposed by "Uncle Normie" and his cohorts. It is the height of hypocrisy to claim that the war cannot be won by CREDITWRENCH methods and then fail to come forth with his own proposals and plans if indeed he had any.

Information is intelligence but "Uncle Normie" obviously has little enough of that indeed. Intelligence is information, it is not action. Knowing where your enemies are is useless until you do something about it. Debt collectors depend on consumer ignorance and frustration to accomplish their ends and maintain their funding. In order to defeat debt collector terrorism, we must learn from those we can trust to provide good information and teach us how to use it in a common sense way and not by the application of false and misleading information to junk legal theories.

Before, and during, the present time when a new and loudly braying jackass appeared on the scene embodied in the corpus delecti of one "Uncle Normie" and said it could not work, would not work, and should not be done CREDITWRENCH methods have and will continue to be the standard of excellence which others seek to emulate.

"Uncle Normie" is nothing but an amusing but clearly befuddled creature who has nothing better to do and will soon pass on to other less challenging enterprises.

Let us not be duped by his loud and incessant braying. He will soon move on to greene pastures.

Creditwrench exposes bad advice

Mountains Out of Molehills

"Uncle Normie did his usual rabid attack on Creditwrench today (12/15) , completely ignoring -- as usual -- most of the FACTS of the story. If "Uncle Normie" were "reporting" that the sun rose this morning, he'd try to make it sound like a shocking scandal, unprecented in the annals of humanity.

Here is the latest scam he attempts to foist off on the unsuspecting exposed for what it is.

CREDITWRENCH proposes an idea to improve your credit rating here. Problem is, not only will it do very little, if anything, to improve your credit, it will prove to be disasterous on your financial situtation.

This scheme involves borrowing $1000 from a bank by putting up $1000 dollars of your own money as security, then using the banks money to deposit in another bank etc., etc.

If you're in a situation that you're considering using a credit repair method such as this one proposed by CREDITWRENCH CEO Bill Bauer, your FICO score is most likely in the 450-550 range.

With a score in that range, you will find yourself paying around 15% interest on a secured loan.First whopper. Banks do not check credit when making a fully secured loan. Why should they? They have absolutely nothing to lose because if you don't pay it back they have your money in their possession so they could not lose anything at all. Now keep in mind, you are actually borrowing $3000 using his 3 bank trick. Doing a quick calculation of 15% on $3000, and that's only compounding it once annually, you will pay $450 for this $3000 in loans.

I checked with Bank One this morning and $1,000 deposited in a savings account would draw .5% interest and a secured loan to a person with poor credit would cost about 5% interest, not 15% as suggested by the jackass. So instead of $450 it would be $150 if you took the full year to pay the loan off. Since the entire $3,000 is paid off in 12 weeks instead of the 12 months then you would pay a total of 1/12th of that or $12.50 or close to that. So what we have here is another case of false and misleading information intended only for the purpose of misleading and scamming his listeners into believeing his jackass brayings. Almost 1/2 of your $1000 deposit wiped out in just 12 months to play his silly "trick". It isn't a silly trick at all. The only thing silly is the supposed truth which is obviously false and misleading. Who are you going to believe, a Bank One loan officer or a silly braying jackass. As always, before you believe what you see on the internet you need to check it out with the people who are knowledgeable and professional in the area you seek advice in. As you can see from the math, the trick is on you. Yes, if you believe his brand of "new math" then the trick would indeed be on you because you would have been duped into believeing false misinformation designed to mislead you and keep you from the truth.

He say's that the cost of the loan would be offset by the interest earned. Wrong again. First off, banks do not pay interest on their security. Anytime you use cash as security it is put into an escrow account, not a savings account.; it draws no interest for you. Wrong again. What you do is to walk into the bank and open a straight savings account. Banks cannot falsely tell you that you are opening a savings account and then behind your back put the money in some other kind of account such as a CD or an escrow account. The fact that Uncle Normie does not know that proves the rest of his fairy tale to be a complete and total distortion of the facts.

As always, Uncle Normie proves that he has no knowledge whatever about banking with the possible exception of how to write hot checks, proves that he knows nothing at all about current interest rates, and cannot even understand what he reads without screwing it all up.

This is just one among a whole litany of jackass statements full of nothing but falsehoods and misinformation intended to do nothing more than mislead those who might be foolish enough to believe him.

To make matters worse, he falsely claims to have high rankings in search engines yet is too stupid to understand that most of those listings are by others talking about him and not his listings at all.

There is not a truthful bone in his worthless carcass.

CREDITWRENCH catches a thief redhanded.

Old #1 Just got hit with the Cinderella syndrome. LOL

Our great advisor goes out and gets himself this fancy free webpage counter and starts it off at 2355 and rushes off to paste it up at the very top of his NUMERO UNO blog. Then he starts hammering away on the refresh button so it looks like he is getting lots and lots of traffic. Really makes that ole hit counter spin. He pumps it up by almost 400 hits yesterday alone.

And of course he didn't want to admit it was a free counter so he took the part off that told everybody that it was a free counter and that by clicking on the link anybody else could get a free counter too and put it on their website.

Never mind the fact that they told him in big red letters that if he didn't leave that link on there they would turn it into advertising for him. Of course, he figures he can get away with disobediance to his terms of service because he don't think they will ever come see his blog anyway. That's just the way he is. If he can break the law or the terms of service he agreed to or steal somebody else's name or do any shady thing that is to his advantage he will do it.

What he didn't know is that people or companies who tell you that you must leave their link on your website if you use their freebie have a bot that goes out and checks your site every few hours or days and if you have disobeyed your terms of service agreement they will do whatever they said they would do in the agreement. In this case, the bot has the capability to start running ads on your site instead of your beloved page counter. Sure enough, I get up this morning and the bot visited his NUMERO UNO and turned old Uncle Normie's beautiful carriage into a pumpkin. All his work pumping the counter (the white horses pulling the carriage) turned into rats. Just like Cinderella.

Uncle Normie just loves to attack others over whatever trivial matter he can dream up, claim to know it all and boast to everybody how he is the greatest, that his word is the authority and must be the truth, the whole truth and nothing but the truth and how I am always the dumb one out trying to scam everybody.

Actions always speak lounder than words, and Uncle Normie's own actions prove that he is a liar, a cheat and a thief, a person who will ignore the terms of use that he agrees to and do whatever he wants thinking he can steal the other man's work with impunity.

Now he paid the price for being a thief and a scoundrel and here is what all his hard work turned into.



That's what his beautiful new page counter turned into all because he tried to get away with a cheap shot to impress people and give them false and misleading information.

Today, his NUMERO UNO says

Quote: CREDITWRENCH and the 3 bank trick Since it's apparent that CREDITWRENCH CEO Bill Bauer knows little about the FDCPA and the FCRA, next I'll expose the kind of bad financial advice he provides while trying to improve credit scores.

Who will want to believe a proven thief whose own bad advice nearly killed his 86 year old mother not even 2 months ago???