CREDITWRENCH and the saga of nonjudicial foreclosure

Beating a dead horse issue

Well, by some hook or crook Uncle Normie managed to con blogger.com into letting him have his bfog back on line again. So what? No biggie.

And then he continues to show his stupidity by writing an ebook about Title 46 of Oklahoma statutes in an attempt to prove me wrong. But in the process he missed the whole point of the issue and brays on endlessly making a mountain out of a molehill as usual.

What started it was that I stated that I would not be concerned about a judgment. And I would not no matter how much braying he does. I did not say that nobody else should or should not be concerned about a forclosure or an eviction. What I said was that I would not be concerned.

So because I stated I would not be concened he decides to write about some Oklahoma law. So what? Then he wants me to admit that I was wrong? Never mind that whether or not I would be concerned about something is not something that can be argued about.

Something like that is my decision to make and mine alone. Had I advised that no one need be concerned about a judgment then he would have every reason in the world to take me to task.

But for him to take me to task about what I would or would not be concerned about is preposterous.

I said I would not be concerned about a judgment and that meant regardless of whether or not a judgment was entered against me. When I ran into some hard luck and had my other two houses reposessed back in 1996 I was not worried about the judgment because I knew they could not collect one crying dime no matter what they did. The bank knew that too and they never even tried. Now they can't because the statute of limitations ran out on the judgment and they never bothered to renew it. Why would they renew it?
No reason to since both of us knew from the start that they could not enforce the judgment even if they tried.

But now I am supposed to admit that I was wrong?

I wasn't wrong, but making mountains out of molehills trying to prove a point that never existed in the first place is pretty stupid to say the least.

I never even said I knew anything about mortgage law in Oklahoma or anywhere else.
I don't have to know anything about mortgages or mortgage law or the law about repossession of houses to know whether or not I would be concerned about a foreclosure.

As usual, Normie is braying about nothing at all.

What really counts and what you should be looking at when considering what is important and who is the right person to seek advice and help from is the words of people who have use CREDITWRENCH in the past. Words like the following.

n the spirit of giving proper "Credit", it was actually Psychdoc who developed the Nutcase letter. I'm merely a grateful beneficiary, as well as proud unindicted co-conspirator in the evolution of the series. The derivative I used successfully against Chevron (no joy so far on Macy's) borrrowed heavily from Doc's work, as well as Bill Bauer's Knockout Letter.

In the words of Sir Isaac Newton, "If I have seen farther, it is because I have stood on the shoulders of giants."

Quixote

And here is another one.

Posted by PsychDoc on 10.22.2003 07:14:

I found this site in 2001. When I began my credit repair journey my official FICO score was in the low 560s. A year later all my scores were in the mid-700s.

While I'm at it, I'd like to say that my best teachers were marci (who taught me the power of the Goodwill approach), breeze (who taught me too much stuff to list and managed to defend me at a couple of critical points when I was a green newbie), Bill Bauer (aka bbauer and Creditwrench, who taught me how to be a serious nuisance through several generous telephone calls and basically inspired the Nutcase series I later disseminated),

CREDITWRENCH wins again!

CREDITWRENCH catches Uncle Normie redhanded again!

Here is the story, the real truth, not some misleading information brewed up out of a whine (mis-spelling intentional) bottle. Here is what he claimed to be truth.

E. Normis
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Posts: 592

Posted: February 17 2005 at 1:12am | IP Logged

Creditwrench wrote: One reason the people I talked to might not know about that law is that Normie is quoting old law.

False and misleading. I quoted Title 46 annotated Nov 1, 2001. last update.

Creditwrench wrote: Title 46 might very well have been superceded since 1999 which was the last time Oklahoma laws have been put up on the internet.

False and misleading. As anyone can plainly read, they were updated on the internet December 2004. Just 2 months ago.

Then again, maybe you live in a different Oklahoma. Better check your GPS watchamacallit.

And here is the real truth.

Creditwrench
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Joined: October 16 2004
Location: United States
Online Status: Online
Posts: 350

Posted: February 17 2005 at 10:28am | IP Logged

Quote: False and misleading. As anyone can plainly read, they were updated on the internet December 2004. Just 2 months ago. Then again, maybe you live in a different Oklahoma. Better check your GPS watchamacallit.

Yes, I did check my whatchamacallit this morning. But first I called up several senators and representatives that I know and all were in session this morning. Likely going to be there most if not all the day and then Friday there are no sessions so Senators & Reps all split for the weekend. We would be waiting until heaven only knows for the real answers.

So I called a "whatchamallit" by the name of Don Timberlake here in OKC who was recommended to me by another attorney as being someone who does a lot of mortgage foreclosure stuff. One thing I noticed was that the first thing I got when his phone picked up was the standard debt collector notification found on every dunning letter that consumers get. "Any information obtained will be used for that purpose"

Then I got the secretary and finally to Don Timberlake who was most helpful.

Yes, Title 46 is valid law but almost nobody uses it because there is a clause in it that states that anytime a consumer files a demand for hearing under title 46 he gets it.

Title 46 foreclosures are much quicker than more normal ones and only take 60 days to bring to fruition.

But lenders won't use it because of the clause that says the consumer can demand judicial hearing and get it so worst case, the mortgage holder goes to sell the property 60 days later and finds out that on the 59th day the consumer has filed demand for judicial hearing and the mortgage holder has to start all over and go do it the normal way.

He just wasted 60 days. So although Normie was right in theory, his advice was very misleading. Normie claims that on my blog I said the following.

Quote: On one of his credit repair blogs, CREDITWRENCH CEO Bill Bauer claims that because of his knowledge to vacate a judgment he would never have to worry about having a foreclosure on his house.....again.

and now we have the proof that as usual I was right and Normie was just giving out more of his misleading information.


As usual he thought he had me trapped that time and thought he could make me look like a fool. As usual, he just got kicked in the testicles and is left holding the bag.

As usual, he is proven to be nothing but a damn fool braying jackass getting his dumb ideas out of a whine bottle.

He will never learn.

SHAME ON YOU NORMIE!

Never believe a braying jackass. Doing so will lead you into false beliefs and dangerous situations.
Just imagine that I had asked him for information about how to keep a house that was being foreclosed on by one of his "Non-judicial foreclosure" mortgage holders and I didn't do my homework, just moved out and let them have it without a fight. I'd be on the streets homeless whereas if I did my research like I keep on telling people to do then I would find out that I could wait 2 more months, file demand for a judicial hearing and that could take them another 3 to 6 months to get a hearing and then at least a few more days to get me actually moved out.

I'd file it even if I knew I was going to lose because I could save up the money I would have been paying on the house and go find someplace else to live. Sure I might get a judgment against me and then I could probably find something wrong with the way they did it and file motion to vacate the judgment, maybe even appeal that if it got denied. I could actually drag the thing out for years if I really wanted to. I know of at least one person who called me the other day and claimed that he had been dragging them through the courts for 6 years, living in the house and never paid a crying dime in all the 6 years.

While what he claimed may be true, don't think I would want to try to drag it out for that long.
But an extra 60 days or so simply by filing demand for judicial hearing?? You bet. In a heartbeat. And when the hearing day got there I'd be long gone if I really didn't want to fight in the first place that is.

Listen to fools like Normie and they will lead you astray every time.

And now he finally learns his lesson. Gets it handed to him real good by GOOGLE.

E. Normis
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Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 595

Posted: February 17 2005 at 11:34am | IP Logged

Creditwrench wrote: anytime a consumer files a demand for hearing under title 46 he gets it.

Can everyone in Oklahoma be wrong about nonjudicial foreclosure proceedings? So far 3 senators, 5 mortgage company's, 1 sheriff, and a partridge in a pear tree.

I will post my response to your attorneys mistaken understanding of statute on my blog. As soon as I figure out who broke it. Keep getting messages from blogger about TOS violations. WTF is a TOS? Some kind of salad?

You see, first of all he calls a prominent attorney a partridge in a pear tree and then asks what it was that got his lying carcass thrown off of blogger and his great "creditwrench truth machine" shut down for good because he was violating their terms of service. Now he wants to know what the heck is a TOS, some kind of salad he thinks? Yeah, Normie, and your sour grapes was all that was in the salad and they rubbed it right in your stupid face.

YEP! Creditwrench got him at last. Never pays to try to break ones TOS agreement. If he had read it and understood what he read then all of this might not have ever happened.

Sorry, Normie but it looks like your jackass tricks just caught up with you.

Creditwrench don't take down the truth every day.

CREDITWRENCH REPORTS THE TRUTH

Every day or so CREDITWRENCH finds out the blog of the braying jackass has gone down again while he makes some "improvements" on it which covers up his last set of whopping lies or invents some new ones.

What happens is that the old one disappears early in the morning and here is what the blog of the jackass looks like.

Forbidden

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

Then when it comes up again he has erased some, if not all of his fabrications and falsehoods. Tries to make it look like he never said anything of the kind. Same as any other con man.

Of course it isn't going to do him any good because I have a mirror image of what was there before each of his changes on another blog he can't find. One that is totally hidden and only I know where it is.

So let's see what the con artist comes up with this time.

CREDITWRENCH prove Normie was lying all along

CREDITWRENCH proves Uncle Normie lying again.

The jackass kept claiming that the false and misleading webcounters on his site were copied from this site and he put them on his site. Here is the proof of what he was saying on his blog.

The below counters have always been fed directly from CREDITWRENCH CEO Bill Bauer's opposition blog. Any numbers contained therein are due is his false and misleading manipulation thereof.

Big problem with that. He took his side down and mine disappeared too. Now why did that happen? Because the html coding for those counters only mirrored what was on his site so when his disappeared mine did too. But he forgot to take down the part above in purplethat is copied from his site. Of course, if he hadn't forgot to take it off as well it would not have made any difference because I have multiple copies of his set up on yet another blog that he don't know anything about and isn't available for viewing by the public. Totally hidden. Anytime anything changes on his site it is copied directly to a new posting on that other blog of mine.

But the fact that when the counters disappeared from his site mine disappeared too proving him a damned liar yet once again.

His continual falsehoods, misrepresentations and misleading information says just one thing about him and that is that if he will lie about little things then you can't believe anything he says. You simply can't believe a bullshit artist and a liar and you can't trust him with anything at all.

He even had the balls to try to make people believe that he could use a text editor and view photographs with it. What a hoot.

He is nothing but a pathological liar. Anybody who will lie will steal and anybody who will steal will also kill. Who wants to take a chance on him and his bad advice?

His own mother listened to his bad advice and it nearly killed her. He posted the whole story on the internet. She was going to get on an airplane and go see him for christmas (2004) and he advised her to take sudafed before getting on the airplane so she did and because the sudafed conflicted with her other medications she ended up almost dying and in the hospital. Where did he get the idea? From some other fool on the internet. If he had had a brain in his stupid head he would have checked with a doctor or a registered nurse or at least a pharmacist to see whether that would have any dangerous side effects. And then they probably could not properly advise him unless he knew her exact medical condition, the exact types of medicines she was taking and maybe other information too.

Who wants to listen to somebody whose bad advice nearly killed his poor old mother. He got the bad advice from another fool on the internet. He listened to some fool on the internet, passed the bad advice on to his mother who nearly died from it.

He should never have listened to the advice he saw on the internet message board without researching it for himself. You shouldn't do that either. If it sounds good then check it out for yourself.






Now you see why I tell people I don't want them to believe a word I say. Not ever, not even if I may seem to be extremely knowledgeable. If I tell people something I want them to use what I say as a starting point, then go do their own research and find out for themselves.