CREDITWRENCH-TheTruth

How creditwrench works

2008-07-20T19:18:00.000-05:00

QUESTION:

You're a saint and I plan on joining your group. It seems you have informed me better advice in one response than my lawyer has in hours of his BS and his outragous fee's. Regarding this circumstance that we are dealing with. I was sent (2) seperate letters from the same lawyers office(Faber and Brand), regarding 2 separate amounts from the same credit card . It makes no sense I dont even have 2 accounts with the credit card company they are attempting to collect on Federated Capital(i.e wash mutual/providian ). So what I get from your response is that I should definitely validate. Do you offer a standard validation letter that is appropriate to send them?
Thanks in advance.

Answer:

Yes, I go through all of that in one of the links above and yes, I realize that there is a mountain of reading to do in those links so I will answer your question directly.

First of all, yes, as part of your creditwrench course you do get a standard validation template you can use but it will have to be modified just a tiny bit each time you use it. But that isn't all.

Obviously you can get any number of validation letters from multitudes of web sites all over the net but the creditwrench validation letter is very, very different and mostly because it does not use a lot of useless and irrelevant nonsense and legalese that is to be found in most validation letters.

And you can also obtain what is known as an estoppel letter from a multitude of web sites on the net. You get one of those as well as part of your course.

From there all resemblance of what you can find on the net for free stops and creditwrench comes to the forefront with a series of continued letters ending in an intent to sue letter which is fully legal in format and the case is ready to file in federal court at that point. In other words once you use the full series you will understand exactly how to file a case in federal court.

In some instances it is not advisable to use the entire sequence. One example is when you have already been served a summons to court or you are going to try to get a judgment vacated. Under those circumstances it is not practical to use the entire series. You will be taught when to use the full series and when not to.

But that is only a very small part of what you will learn as you proceed through your problems.

You will also be taught various defense and offense mechanisms and how to use them and when to use them.

You also get access to our creditwrench student's lounge which is a password protected section of our message board which you already know about. What is posted there is information for students that we do not want made public and also discussions between students.

Once you are a creditwrench student you will always be a creditwrench student and you will never be asked for any more money no matter how many times you need consultation about some problem or other. You get the right to have unlimited technical support for as long as creditwrench lasts as a viable entity. I certainly hope and pray that will be for at least another 40 or 50 years.

In other words, I will give you all the support and help you will ever need until the time comes when I am forced to start taking my dirt nap. After that, you are out of luck and on your own. (LOL)

Sorry but that is just the way life is. When its over its over. (LOL)

So I'm ready to get started any time you are.

Calvary Portfolio Services, LLC

2008-07-20T17:50:00.000-05:00

Calvary Portfolio Services, LC

Question: Hello, i am new to this site and i have reviewed some of the questions & answers. I like the responses to some of the more complexed questions, so here is my question: Recently i received a summons to go to court from a company named Calvary Portfolio Services, LLC. The attorney's name is Anne Thomas affiliated with Thomas Law Offices, PLLC. On this summons, the return address is really the address of Cavalry Portfolio Services, LLC but it is being listed as the address of Thomas Law Offices, PLLC! Portions of the address is omitted and my guess is that the name of Calvary Portfolio Services, LLC is not shown for a reason. Anyway, not only the concern about the return address, they filed an outdated legal document, the wrong address for the court, the wrong name as the court clerk and i thought that they could not file anything with the courts until all of the return service (green cards) were received back from the respondents (debtor). Secondly, i found out that my 14-year-old son signed for the certified letter they sent to me regarding this summons. I thought that in order for this service to be effected, the signer would have to be 18 years or older. This summons lacks the CIS# that goes along with the packet, so much is missing from this document. It has the revised date of 09/2002 but looking online the revised date of the official new documents is 2008. I really think that this is a bogus case but i am not sure,I thought about using this as a defense along with the fact that the debt they are coming after me is well over 18 years old and was under a Bankruptcy that was filed and discharged under a Chapter 7 in the 1990's! I know that i typed a lot but i tried to sum things up all in one questionairre. Also, i found out that this company has been doing this to others as well. Can they purchase an old, old debt like this one and get away with it, wasting my time and the court's time?

Answer: They are not wasting your time nor the court's time if you don't respond to the summons and complaint in a proper manner because they will get a judgment and then you will have lost your opportunity to plead the defenses you have available to you.

How do you know that they have the wrong address for the court and the wrong name as the court clerk? Maybe they filed in the wrong court? The correct court would be the court system in your county. Maybe they filed in a different county or state? I would strongly suggest that you check with the clerk of the court in both courts and see whether a case has been filed against you in either one. If so you will have to respond to the summons no matter what court it has been filed in. If they filed in the wrong court you will have to inform the court that they don't have jurisdiction and state what state and county you live in. You may have to prove where you live with copies of utility bills or your driver's license or something official.

When you get it into the proper court you can then start to defend and of course the best defense is a strong offense. I would also recommend that you speak to the judge or referee of the bankruptcy court where you filed bankruptcy to see if that court can be of some help to you. I know little or nothing about bankruptcy but it seems to me that I have read somewhere that attempting to collect a debt discharged in bankruptcy constitutes a contempt of court. Don't bother going to the attorney who filed your case because he probably won't want to do anything unless you pay him again.

This appears to me to be a case that is ripe for a federal case against the debt collector and the attorney who filed it for a multitude of violations. Why not file a federal case against them and make them pay you for your time and trouble to defend. This case ought to be worth several thousand dollars in your pocket. Don't be frightened about filing a federal case. It simply isn't hard to do and it certainly don't need a lawyer to do it for you. Learn how to do it yourself.

Bill Bauer
405-684-9297
405-227-9423

Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.
http://www.shrinkmylink.com/qlmqson

RECOMMENDED READING
Subscribe to Creditwrench mailing list on google groups.
http://www.shrinkmylink.com/iomqson Creditwrench google group by email.

http://www.shrinkmylink.com/hhlqson FDCPA EXPERT
www.creditwrench.com/howjudgmentswork.html
www.creditwrench.com/18questions.html
http://shrinkmylink.com/kmlqson
www.creditwrench.com/objections.html
www.creditwrench.com/howcreditwrenchworks.html
http://www.shrinkmylink.com/bnlqson List of community property states
How to answer a summons
http://www.shrinkmylink.com/exlqson

LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.

http://www.creditwrench.tv/MIKEJM-06-27-08.mp3
http://www.shrinkmylink.com/uimqson Mike JM tells about Greentree Financial case.
http://shrinkmylink.com/xsjqson
http://www.shrinkmylink.com/danqson Mark in Rhode Island gets settlement offer

Statute of Limitations for all states
http://shrinkmylink.com/zlwpson

How to set up your hard drive for creditwrench files. Makes them easy to find.
http://tinyurl.com/3lqxaw
The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.

Dial-in Number: (712) 432-1601
Access code: 508548#

You might also want to visit our message forum at http://consumers.creditwrench.com to get answers to questions you need answered before next Friday night.

If you live within driving distance of Oklahoma City you can also come to our monthly meeting of the Oklahoma City Chapter of Jurisdictionary meetings. They are held on the 2nd Thursday of each month at Coit's Root Beer Stand which is located on the corner of SW 24th & Western Ave in Oklahoma City. The meetings start promptly at 7:00 P.M. and last for 2 hours. Attendees usually arrive about half an hour early so they can enjoy a good meal at Coit's Root Beer Stand. The meetings are free and open to the public and we can discuss your problems as well if you like.

answering a summon

2008-02-21T08:04:00.001-06:00

Question: I was served a summons recently. This was from a collection agency being represented by a law firm. There isn't a court date on this summons. There is only a statement saying I have 14 days to respond with my answer. I did call the small claims court clerk and was told that a court date would be set after they received my answer if I was denying responsibility of this debt.

My problem is that I don't know exactly what this debt is about. I do have a couple of unpaid credit cards from the past and this matter more than likely relates to one of them, but I don't know which one it would be. I don't recognize the dollar amount being asked for; but I am well aware the original amount could have easily doubled by interest fees, etc. My question is on what to say in my answer.
Why answser at all? Respond to the summons instead with a demand for more definitive statements. How to do that can be found at demand for more definitive statements.

I know to deny but the paper says I must put a reason if I deny this. Do I put a statement saying I deny this due to insufficient evidence that I owe this? How do I go about getting the information about exactly what this lawsuit is about?
You simply state in your demand for more definitive statements that you have no idea what this matter is about and demand that they inform you who it is that you allegedly owe the debt to.

When I send the defendants lawyer my answer to the summons, do I ask him in that letter? Or do I send him a copy of the summons answer that I file with the court and send him an additional letter asking for more information about this.
You must send the plaintiff's lawyer a copy of anything you file with the court by certified mail return receipt requested. Don't send him anything you didn't file in court unless you are demading interrogatories, admissions and production of documents. Those are never filed in court.

Also, Ive read something about discovery and it starts after I've filed my answer to this complaint. Is this something I initiate on my own, or do I have to file something with the courts to do this?

There are 5 discovery tools at your disposal. The first is known as interrogatories, the second is known as demand for admissions, the third is known as demand for production of documents, depositions and Subpoenas such as Subpoena Duces Tecum and other court orders. This is discussed about half way down in the following widget.

Thank you in advance for any and all help you can give me.
This is only a small part of what you must know in order to properly defend against a lawsuit. That is why it is important to become a creditwrench students. My students learn this kind of stuff very quickly. You can become a creditwrench student by calling 405-684-9297 or 405-227-9423. Learn how to win without lawyers.

Help I'm being sued!!

2008-02-11T10:01:00.000-06:00

Help I'm being sued!!
Question: My wife and I have been served with papers today stating that we are being sued for multiple deliquent accounts. I have no idea how to fight this and all of them total up to a very big sum. The interest alone os over $700. I am a city police officer and the only source of income in my household. My pay amount is decent but the cost of living here is atrocious!!!! Everything that I make is sucked up by the cost of living. I make roughly $1400. every two weeks, but my rent is 1050, car payment(on the only car we have, the other was repossessed) is $454, insurance is $80, phone bills at least $150, gas (we won't even go there)electricity is $190 or so, food is probably $400-500 (I have a four, five, and six year old)....I mean I can't afford to pay attention!

All of the deliquent accounts are from 2005, 2006 and 2007. I have told the collection agency that I will start a second job in Spring to pay, but they went ahead and filed with a local attorney. I can't pay, I can't afford garnishment, I can't do this! I was just about to file bankruptcy next month which will be too close to the court date won't it? Please help!!!

Answer: If you are a law enforcement officer you recognize that two wrongs don't make a right. Example. If I am stopped for an traffic offense and I am respectful and cooperative with the officer, have no weapons, drugs, liquor or anything illegal in my possession but the officer beats me up Rodney King style because he is angry for whatever reason, can he be sued for his wrongful acts against me? Of course he can be sued. It is the same in the world of debtors. You may owe money but does that give them the right to violate your rights under the law? No, it does not, but they do it routinely and with impunity because few people will ever sue them for their violations of law. Attorneys violate the law in the process of debt collection all the time. They lie to the courts routinely and get away with it in local courts. Local court judges go along with it and say nothing. They care not one whit for debtors such as yourself or their rights. The only thing they care about is getting justice for the creditor and their attorney and nothing at all about the rights of the citizen before them. The citizen can demand to have an accounting of the amounts claimed and the judges just deny it and give judgment to the plaintiff even though the law plainly states that if a debtor demands an accounting it must be provided to him. Debtors can dispute the jurisdiction of the court and even if it is plain that the court does not have proper jurisdiction to hear the case and the defendant disputes jurisdiction the courts deny such allegations and move on to judgment. That in spite of the fact that the United States Supreme Court has ruled on many occasions that if jurisdiction is challenged all further action must be stopped until that issue is resolved. You will not get justice in the court proceedings you are faced with any more than citizens do in local traffic courts. As an officer in court you are always right and the defendant hasn't got a crying chance. It is the same in the court you are now faced with. The attorney is an officer of the court and you are nobody. But there is a way to get justice and that way is to sue the attorney for his illegal acts in U.S. Federal District court where the only question before the court is whether or not they broke the law. The fact that you owe money matters not. I can guarantee you that the attorney and the plaintiff have broken the laws in several ways. So what are you going to do? Are you going to stand still for having your rights under the law ignored and stomped on or are you going to fight back and make them obey the law just like they expect you to do? Don't even consider bankruptcy. That is an exercise in stupidity. If you want to start learning how to defend your rights just click on the following link.
If you want to start learning click here

That will give you a preview of what you need to learn about. There will be lots more links there you can follow to see what you might be able to do.

Richard Cornforth Seminar in Oklahoma City

2008-02-09T20:27:00.000-06:00

A Richard Cornforth seminar will be held in Oklahoma City, Oklahoma on February 29, 2008 through March 2, 2008. There will be a group supper on Friday night followed by two days of teaching by Richard Cornforth and will cover all the topics in his new and revised book entitled Secrets of the Legal Industry II..

CREDITWRENCH-THETRUTH

2007-12-10T07:43:00.000-06:00

Questioner:	Nicole
Category:	Collections Law
Private:	No
Subject:	Type of debt
Question:	I have received a call from a debt collector regarding a bill from 1998. I know the statutes for collection in my state, however it has four different kinds of dept listed-oral, written, open ended, and promissory note. However I do not know what kind of bill a phone bill is considered. I do not believe that this bill is mine, but it would be a lot easier to get cleared if it is too late to collect. Do you know what type of bill a phone bill is considered?
Answer:	Telephone bills, much like credit cards are an ongoing offer of credit. The company provides the service then bills you for it at the end of each month or billing period. So the same statute of limitations would apply. I fail to understand why you think it will be any easier to get cleared if it is too late to collect. Debt collectors often demand payment on debts that are more than 20 years old no matter what the statute of limitations might be. They rely on the fact that most people don't know about such things as statutes of limitations and will often pay the bill whether they owe it or not just to keep themselves out of trouble. If they know about the statute of limitations they often ignore the debt collector because they think that the debt collector can't collect it. They often learn the hard way that if the debt collector files a lawsuit and they don't defend by filing a proper response to the complaint the statute of limitations means nothing and they will get a judgment. They also rely on the fact that finding competent legal help at a reasonable price is not an easy thing to do. The lawyer costs more than just paying the debt in many cases. The debt collector gets paid on out of Stat debt so often that it is very profitable to buy those old debts for pennies and go for the entire amount. Folks need to learn how to deal with abusive debt collection practices like that and do it without having to resort to lawyers or credit repair organizations. It just isn't all that difficult. The first step is learning how to combat the phone calls. To learn about that all anyone has to do is to go to www.creditwrench.com/18questions.html and then visit my message board at consumers.creditwrench.com where they will get lots of tips and tricks and inside information about dealing with debt collectors. They will learn how to stop them in court without resorting to lawyers and sue them for their abusiveness in federal courts. They can also learn how to do it by calling 405-616-7901

Michigan bar member for 29 years & don't know how to defend.

2007-11-25T07:49:00.000-06:00

11.01.2007, 10:18

bobblehr

Newbie

Join Date: Jan 2006

Posts: 4

Help: I am being sued

I received a summons last Friday from a CA while I was out of town (Left it with my brother). They didnt stamp/date anything. I want to file the "Intention to Defend" but cant afford an attorney to help with it. Should I just sign it and leave the reasons blank for the time being? Also, is this form mailed in or filed in person?

I pulled the attorneys records in my county, and am going to see if I can watch a case this week.

11.19.2007, 16:00

knk112

Newbie

Join Date: Nov 2007

Posts: 1

I been served last week also! I'm plan to defend myself. I have 10 days to file and answer. I'm going to the courty house to the law library to get research similar cases and affrimative denfenses that I can use.

11.21.2007, 11:36

Capitan

Newbie

Join Date: Oct 2007

Posts: 2

Lawsuits

Ideally, you need to talk to a lawyer. If you can't afford one, call your county bar association and see if they have either a referral program (you can have a 1/2 hour conference with a member attorney for free) or legal aid resources.

If that is not an option, try to locate the court's court rules online, usually at a state court website. Depending on the state and the court, "leaving a summons with your brother" may or may not be good service. You need to make sure the CA is following the court court procedure.

--Michigan bar member for 29+ years.

11.21.2007, 21:44

cap1sucks

Senior Member

Join Date: Jan 2007

Posts: 598

Intent to defend, affirmative defenses, answers to the summons, lawyers, all of them about as useful as putting a milk bucket under a bull if not worse.

The best way to deal with a summons and complaint in most cases is to file a motion for more definitive statements. Make the lawyer explain and prove each and every little thing he says in his complaint. If he says his plaintiff is duly authorized to do business in your state make him explain who authorized his plaintiff to do business in your state. By what authority do they do business in your state?

If he names First USA Bank N.A. as being the plaintiff (for instance) go to google and type in OCC and hit search button. That will take you to the office of the comptroller of the Currency which is a government agency of the United States Treasury. Look in the right hand column and you will see lists of all of the banks authorized by the United States Treasury to do business as Nationally Accredited banks hence the letters N.A. and you just might be surprised to learn that First USA Bank is not even listed there, much less being a N.A. bank.

So if that is the case for the plaintiff in your case then make the lawyer explain what N.A. means and prove that the plaintiff is not a nationally accredited bank as he has claimed.

If he says that the court has jurisdiction and venue make him explain what those terms mean and by what authority does the court have jurisdiction and venue. There are multiple forms of jurisdiction. Make him tell you whether he means geographical jurisdiction, subject matter jurisdiction, IN PERSONAM jurisdiction or exact which types of jurisdiction the court has and how it got jurisdictions. His simple statement that the court has jurisdiction don't cut no ice.

If he talks about Quantum Meriute then make him explain what that is and how it applies to you. If he talks about ACCOUNT STATED or UNJUST ENRICHMENT make him explain those terms to you because you are so stupid you don't understand a single thing he claims and you wouldn't admit it if you did.

You can't file a motion for a more definitive statement in some states but you can demand a Bill of Particulars in those states and so you simply call your motion for more definitive statements a Bill of Particulars instead of a motion for more definitive statements. Same thing, really, and either way it serves as your response to the summons and complaint even if the judge won't let you do it. Most judges will allow it.

And of course the lawyer will object to that in many instances, so if he files an objection you will have to answer his objection and state why you don't understand all his legal nonsense. As an unsophisticated consumer you have the legal right to demand those explanations in order to properly prepare your defense.

If he still don't answer all your questions then you file motion to deem admitted. You have that right because the court obviously ordered the plaintiff to answer so if they don't they are actually in contempt of court and can't use any of those terms or statements in their prosecution of the case. So if they can't use any of those words, terms or phrases what have they got left? Nothing at all.

Then send them a demand for production of documents and if they don't respond then you can file motion to compel or subpoena Duces Tecum, either one. Then when they do answer your demands you probably will either have grounds to dismiss or you might be able to use them to craft your interrogatories and demand for admissions. More ammo to use against them.

Then get ready for the real fun by taking them to federal court for violations of FDCPA and FCRA and that's when the rubber really meets the road. Once you get them there it is no longer a question of whether or not you owe them money bur rather only why they broke the law and if you are right and you have the proof of their wrong doing and you get to the Rule 26(f) meeting and you explain to them what they did wrong and show your proof they suddenly get religion and they don't want to go to a full blown trial at any price.

They will probably only want to know what it is going to take to make you go away. Of course, the price is going to start off with dismissal of their lower court suit, promise in writing to never reveal the terms of the settlement agreement to any third party for any reason whatever, never sell or assign the debt to any other party, pay your court costs and your attorney fees (federal courts have now ruled that even as a pro se they must pay you reasonable attorney fees and judges who refuse to award you attorney fees will be reversed on appeal) and remove any and all derogatory remarks from your credit reports.

They don't want to agree to those terms? Ok Pal, we will let the judge and jury decide what happens and believe me, they don't want to go there. Now that is the way to get your credit repair done once and for all.

__________________
Cap1sucks message forum

11.22.2007, 09:01

Oracle

Member

Join Date: Nov 2007

Posts: 77

Cap1sucks seems to be getting ahead of himself. Intent ot Defend is likely a jurisdictional term for answering the complaint. Without an answer, the plaintiff can go for a default judgement.

Cap1sucks is talking about discovery, a very separate part of the court process and dictated by the Court's rules of procedure.

Original Poster needs to answer the complaint and add any affirmative defenses that he might have. He can then move on to discovery.

As much as Cap1sucks would like to have the procedure meet his view, the Courts have the power to define how they work. And they have.

Original Poster, get an attorney, or read the Rules of Civil Procedures for your district and proceed accordingly.

#10

11.22.2007, 09:42

apexcrsrv

Senior Member

Join Date: Nov 2006

Location: West Virginia

Posts: 707

No, Cap1sucks is absolutely correct. A motion for a more definitive statement is filed before a responsive pleading. Think about it, how can you file an answer to a Complaint you don't comprehend. Now, my bet is that this jurisdiction follows the notice pleading rules of procedure but, moving for particulars (sorry, VA Procedure kicking in) is an excellent procedural move which, naturally, comes before an Answer.

If this is debt purchaser, they usually never respond. If an Original Creditor, they probably will object citing notice pleading yada yada yada. Just oppose the objection and the judge will defer to the self-represented litigant.

However, a Motion for a More Definitive Statement is not in the province of the discovery process. It is not interrogatories, admission, requests, inspections, etc. It is filed pre-Answer, Motion To Dismiss, JMOL or whatever you choose as a responsive pleading. In fact, if you file that answer, you cannot turn around and then file this or a 12b6 or really anything besides a dispositive motion on the facts or law. Procedure is gone.

No, because the OP has already stated that they can't afford an attorney file the Motion IF THEIR IS A CONTRACT ATTACHED TO THE BACK OF THE COMPLAINT. If there is no contract, simply file a Motion to Dismiss because the Plaintiff has requested relief which cannot be granted. In other words, they have no evidence without a contract. They may have an affadivit instead. If that is all, call the judge's chambers and set a trial date or wait for it if already set. They won't be able to get the affidavit in without the affiant being present. You will then move to dismiss/strike at their close insofar as they cannot prove the allegation that their is a debt which you owe to them.

Actually, in the above case, you would be able to counter under the FDCPA.

__________________
http://www.apexcreditservices.com

#11

Yesterday, 22:21

cap1sucks

Senior Member

Join Date: Jan 2007

Posts: 598

Quote:

Originally Posted by apexcrsrv

No, Cap1sucks is absolutely correct. A motion for a more definitive statement is filed before a responsive pleading. Think about it, how can you file an answer to a Complaint you don't comprehend. .

Thank You, Apex. Now then, as to another statement you also made in that same post to which I currently reply, you said

Quote:

Actually, in the above case, you would be able to counter under the FDCPA.

I also concur with that statement with just one little exception. While one can do just as you have suggested it is not practical to do so in most lower courts for the simple reason that the only question before the court is whether or not the debtor owes the debt and that is the only thing the court is usually interested in hearing about. Anything else will be totally ignored or ruled against. What they might have done to the defendant has absolutely no bearing on whether or not the debtor owes the debt. As Bill Bauer teaches, the answer is to file in federal court for their violations of FDCPA and not try to use it against a plaintiff's demand for payment via judgment proceedings.

In federal court it makes absolutely no difference whether the plaintiff owes the defendant money or whether the defendant has a judgment against the plaintiff or any of that. The only question before the federal court is whether or not the defendant broke the law.

is currently heavily involved with beating arbitration cases and seems to be making some headway. One of his students in Missouri filed a motion for injunctive relief against arbitration and NAF had an attorney put in an appearance objecting to the motion for injunctive relief but that attorney cannot put in an appearance for NAF in the case for the simple reason that no arbitrator can be sued nor can they appear in any court case. They are totally immune from any court action against them. So their attorney has no right to appear in any court of law to object to the plaintiff's motion for injunctive relief in the Missouri court. So the next move seems to be to put in a motion in limine to exclude anything the NAF attorney might say. According to both federal and Missouri state law NAF can neither be sued nor can the make any appearance in any court of law on their own behalf.

The way I found out about all this was by listening in on his Friday night conference call last night. Bill didn't say much but just let everybody else do all the talking. The call started at 7:00 P.M. and lasted until after midnight as they usually do. They also talked a lot about IRS and 1099 forms but that was late in the evening and when that started it was about 11:00 and I got tired and went to bed.

__________________
Cap1sucks message forum

E. Normis Debtor pulls another dumb act.

2007-10-31T23:47:00.000-05:00

Recently E. Normis Debtor posted the following on his blog which he calls westerncapital-thetruth from which he posts his venomous remarks about Robert Paisola, Thief-in-Chief of Western Capital Financial. Here is what he had to cry about.

Sunday, October 28, 2007
New federal lawsuit filed against Paisola
As promised, here is a copy of the most recent federal suit filed against Western Capital CEO Robert Paisola.

http://www.geocities.com/e_normis_debtor/tstn.pdf

The latest information I have indicates that Paisola is, once again, attempting to evade service. Accordingly, I will be dispatching my top investigator to Utah to assist in locating him.

// posted by E. Normis Debtor @ 3:19 PM

Normie is all mouth and no action. Like Robert Paisola, he has no investigators, top, bottom, middle or any other kind. He first promised to post the case he refers to back on October 17th and still hasn't produced it. As usual, if you want the truth, the whole truth and nothing but the truth and you want production rather than hot air you need to reply on creditwrench to provide it. Here is the entire complaint against Robert Paisola.

Assholes of the world

2007-10-22T05:03:00.000-05:00

While Normie's picture isn't in this short movie, the music fits him like a glove.
Assholes of the world

Creditwrench-thetruth.com

2007-10-19T07:16:00.000-05:00

I see that the fool who maliciously calls himself "creditwrench-thetruth" has now decided to bring his nonsense blog back up on line. He hasn't found anything new to post on it however. His tirades make little sense and their falsity is quickly revealed by simply visiting Allexperts.com and checking out the answers given by Creditwrench CEO Bill Bauer and you will soon see for yourself how ignorant and baseless the statements made by Enormis Debtor really are. Here is one such answer to a question posted by Kita.

Name: kita

Subject: constable trying to deliver on a credit card debt

Question: Hi. I was informed that the constable here tried to deliver a paper of some sort and all he would say was it was about a credit card. I was informed that I can be sued. I live in texas and are wondering what should i do..can they put a judgement on my home and also I have gas royalties paid to me monthly can they attach to that or my bank accounts or garnish my wages? is there any forms i can fill out to delay any of this? do I avoid the constable? i do have credit card debt i think in the ammount of 30 to 40,000 dollars and i did try and negotiate payment with them yrs ago due to unemployment but they wouldnt work with me and im sure now it has racked up. so what are my options and where do i find forms, and how do i find out where to send them .I do figure it is Asset Acceptance or something like that i did call them a few months ago about a charge that wasnt mine and they brought up alot of other stuff as well and well talked very ugly to me so i hung up..I have alot of bills and alot of health things going on which take my money for insulin and so forth and i know there are ways to do something with out filing bankrupsy...you seem very intellegent and informative and any info you can provide would be so helpfull..

thanks

kita

Answer: I'm pretty sure you called me on the phone this afternoon and we discussed this entire matter but I'll answer anyway.

I do appreciate your calling me. Can they take your oil and gas royalties? They can attach those if they find out you are getting them and yes, they can eventually force you to tell them about that in a garnishment hearing. If your home is homesteaded in Texas then it should be safe from liens. Do you avoid the constable? That's up to you but I sure wouldn't bake him a cake and invite him in. If he catches you in then you might as well take the summons. They will nail it on you one way or another sooner or later but in the meantime you might as well get all the time you can until they do hang it on you. Bankruptcy is a very poor thing to do. As a matter of fact, the new bankruptcy law has made it so much harder to file bk now that large numbers of people are simply walking away from their mortgages rather than filing BK and that is beginning to bite back by drastically adding to the home foreclosure problems the nation is already having. If they had left the BK laws alone and let people include their mortgages in bankruptcy and end up keeping their homes that would not have happened. The system wasn't really broke and they tried to fix it anyway and now it is coming back to haunt them in ways they never dreamed would happen.

And it could not have happened at a worse time for our economy. Bankruptcy never was a good option anyway. Creditwrench methods work in such a way that the same thing is accomplished with a lot lower price tag and is much better because it leaves on bad marks on your credit reports. All of that just confirms an old adage that says that government never has answers to the questions one needs answered. All they manage to do is create more questions which also remain unanswered for all practical purposes.

Callier vs Bauer -- Bauer wins the case.

2007-08-10T17:49:00.000-05:00

Bauer defeats Plaintiff in Callier v. Bauer

The plaintiffs in Callier vs. Bauer, a federal court case in El Paso Texas lost their case when they could not prove their allegations.

Since they could not prove their case they have obviously filed a malicious lawsuit against Creditwrench CEO Bill Bauer.

How can we know that such is the case? That's easy. Here are the requirements to prove a case of malicious prosecution.

The elements of a malicious prosecution case are (1) that the defendant filed and/or prosecuted the underlying civil action; (2) a favorable termination of the prior case, in which the innocence of the former defendant was established; (3) the absence of probable cause, meaning that no reasonable attorney would have considered it to be tenable; (4) malice, which can be implied from a conscious disregard for the consequences, from a lack of probable cause, and from inadequate investigation and research, and (5) damages.

Obviously it will not be difficult to prove that the defendant filed and or prosecuted the underlying civil action.

And it will not be difficult to prove that the termination of the prior case in which the innocence of the former defendant, Billie Bauer was established when the plaintiff(s) could not prove their case and had to let it be dismissed by the court for lack of proof of their complaints.

The third element of proof is that there was no probable cause meaning that no resonable attorney would have considered it to be tenable and

Malice, which can be implied from a conscious disregard for the consequences, from a lack of probable cause and from inadequate investigation and research and

of course the damages. The Plaintiff in the new case soon to be filed in the Western District Federal Court in Oklahoma City, Oklahoma will probably ask for and demand unlimited damages.

The first case will be filed against Ana Callier for her attempt to claim that Creditwrench CEO Billie Bauer had stalked her under 18 U.S.C. 2261(a). Since there had never been any contact of any kind whatever with the defendant by the new plaintiff, Ana Callier could not possibly have proven her case and the Judge in the previous case obviously knew that. The court's major reason for dismissing the case presented by Ana Callier was that the charge of stalking under 18 U.S.C. 2261(a) is a criminal complaint and can only be brought by a U.S. Prosecutor thereby fullfilling the third element of malicious prosecution.

On Thursday, June 21, 2007 the author of the blog known as angryconsumer.blogspot.com wrote the following, to wit:

Yup, that's right, Billie we've had enough of your stuff, and you've been sued. It was filed yesterday, and you should get your invitation around 10AM to the party we are having in his honor in court. Come on down, bring a friend, and we can all get to know each other really well in court.

If someone has such a burning desire to meet me in a federal court their hearfelt desire should not be denied. To do so would indeed be a shame and so in order that they might have their burning desire fullfilled we will give them that opportunity to do so by inviting them to come to Oklahoma City for that special purpose. Our first invitation will be directed to Ana Callier. I'm sure that lady would just love to come to Oklahoma City to defend a case of malicious prosecution against her for unlimited damages.

Of course, since I am well aware that such a trip will be a bit expensive for her I will give her the courtesy of reducing the costs of such a trip in the following manner.

Notice of Lawsuit and Request for Waiver of Service of Summons
TO:Ana L. Callier

A lawsuit will be commenced against you (or the entity on whose behalf you are addressed). A copy of the complaint is attached to this notice. It will be filed in the

United States District Court for the Western District of Oklahoma and has not yet been assigned a docket number.

This is not a formal summons or notification from the court, but rather my request that you sign

and return the enclosed waiver of service in order to save the cost of serving you with a judicial

summons and an additional copy of the complaint. The cost of service will be avoided if I receive

a signed copy of the waiver within 20 days after the date designated below as the date on which

this Notice and Request is sent. I enclose a stamped and addressed envelope (or other means of
|
cost-free return) for your use. An extra copy of the waiver is also attached for your records.

If you comply with this request and return the signed waiver, it will be filed with the court and

no summons will be served on you. The action will then proceed as if you had been served on the

date the waiver is filed, except that you will not be obligated to answer the complaint before 60

days from the date designated below as the date on which this notice is sent (or before 90 days

from that date if your address is not in any judicial district of the United States).

If you do not return the signed waiver within the time indicated, I will take appropriate steps to

effect formal service in a manner authorized by the Federal Rules of Civil Procedure and will

then, to the extent authorized by those Rules, ask the court to require you (or the party on

whose behalf you are addressed) to pay the full costs of such service. In that connection, please

read the statement concerning the duty of parties to waive the service of the summons, which is

set forth on the reverse side (or at the foot) of the waiver form.

I affirm that this request is being sent to you on behalf of the plaintiff,

this ___ day of ________, _____.

___________________________
Signature of Plaintiff Pro Se

Waiver of Service of Summons
TO:____(name of plaintiff’s attorney or unrepresented plaintiff)____
I acknowledge receipt of your request that I waive service of a summons in the action of

____(caption of action)____, which is case number ____(docket number)____ in the

United States District Court for the ____(district)____. I have also received a copy of the complaint in the action, two copies of this instrument, and a means by which I can return the signed waiver to you without cost to me.
I agree to save the cost of service of a summons and an additional copy of the complaint in this lawsuit by not requiring that I (or the entity on whose behalf I am acting) be served with judicial process in the manner provided by Rule 4 .
I (or the entity on whose behalf I am acting) will retain all defenses or objections to the lawsuit or to the jurisdiction or venue of the court except for objections based on a defect in the summons or in the service of the summons.
I understand that a judgment may be entered against me (or the party on whose behalf I am acting) if an answer or motion under Rule 12 is not served upon you within 60 days

after ____(date request was sent)____, or within 90 days after that date if the request was sent outside the United States.

All that Mrs. Callier will have to do in order to save the costs of service of summons is to sign the document before a notary public when it arrives at her home in El Paso Texas and return it to the Plaintiff via certified mail return receipt requested and she will then save the costs of service of summons.

That will at least be a small benefit in terms of cost savings. When will I actually send the above to the lady or when willI file the case against her? Well, only time will tell.

Judge Cardone dismisses most of the case

2007-07-26T11:25:00.000-05:00

Judge Cardone dismisses most of the Callier's case

Judge Cardone dismissed all of the stalking complaints made by the Calliers in the case of Callier v Bauer yesterday. Her comment in doing so was that 18 U.S.C. 2261A is a criminal statute and must be brought by a U.S. Prosector as a criminal charge. She said that private parties cannot bring criminal complaints against anyone. Then she also dismissed their state claim also based on the same theory. Then she gave them until August 10th to prove the rest of their claims and the actual damages which they claim resulted. They must prove at least $75,000 in damages or she will dismiss all the rest of their complaint.

It is obvious that the judge is certain they can't do that but is giving them a chance to prove their case anyway.

Callier v. Bauer court case

2007-07-12T09:03:00.000-05:00

Callier vs Bauer Court case in El Paso, Texas

It appears that E. Normis Debtor thinks that he might be inadvertently teaching me how to fight the case of Callier vs Bauer and as a result of his misguided ego has at least temporarily pulled the plug on his foggy bottom blog. That's not the first time he has done that so we can figure that he will soon enough pull his head out of you know where and open it back up again.

Of course, the thought that I would use anything the little monkey put on his foggy bottom thingy is ludicrous. I don't need any help from the likes of him. Most of it is false and misleading information anyway as everybody who has ever visited his blog instinctively knows after reading more than a paragraph or so.

Interestingly enough, one of the Plaintiffs, Craig Cunningham, has filed several cases in El Paso federal court. Most of them were filed in forma pauperous and were either dismissed by Cunningham or his application to file in forma pauperous was denied by the court and the case dismissed. His latest two have not yet progressed far enough to see how he will fare but we will keep up with them for you.

Callier vs Bauer

Craig Cunningham

E. Normisly Stupid.

2007-07-09T20:56:00.000-05:00

E. Normis Debtor recently proposed an E. Normisly Stupid idea that one should challenge the jurisdiction of the Western District of Texas in El Paso in the ongoing case of the plaintiffs Cunningham, Callier and Callier v. Billie E. Bauer of Oklahoma City. Here is his E. Normisly Stupid comments and suggestions.

Friday, June 29, 2007
Billie Bauer intends to file an answer
Nothing in this post should be construed as being legal advice, it is merely my opinion. And, bear in mind, I do not know all of the facts behind the plaintiff's claims.

In reading Creditwrench CEO Billie Bauer's recent posts, it appears his next step in the lawsuit filed against him is to file an answer to the complaint.

That could be a procedural mis-step. There is a matter of personal jurisdiction of the court where the case was filed. By filing an answer, Creditwrench CEO Billie Bauer could essentially be waiving personal jurisdiction.

I would think a better move would be a motion to dismiss for lack of personal jurisdiction under rule Rule 12(b)(2). This would shift the burden to establish personal jurisdiction of the court in the matter to the plaintiff.

Jurisdictional issues involving "cyberspace" are quite complicated.

I think in Creditwrench CEO Billie Bauer's favor is the court's holding in Zippo Mfg. Co. v. Zippo Dot Com, Inc., 952 F. Supp. 1119, 1124 (W. D. Pa. 1997) which in part states:

At one end of the spectrum are situations where a defendant clearly does business over the Internet. If the defendant enters into contracts with residents of a foreign jurisdiction that involve the knowing and repeated transmission of computer files over the Internet, personal jurisdiction is proper. At the opposite end are situations where a defendant has simply posted information on an Internet Web site which is accessible to users in foreign jurisdictions. A passive Web site that does little more than make information available to those who are interested in it is not grounds for the exercise [of] personal jurisdiction.

Then again, this is just my opinion........I might be wrong :)

// posted by Creditwrench-thetruth @ 5:34 AM

He's the Monkey, I'm THE WRENCH!

Yes, he just might be as wrong as ever. The first and most important reason that his suggestion is wrong is that when there is a dispute involving a federal question between parties of different states the Court in which the Plaintiff files has jurisdiction under the diversity clause. To make that point more clear, in the case mentioned the court clearly stated it had jurisdiction under the diversity clause thereby refudiating the statements of the plaintiffs about jurisdiction which were clearly wrong and also albeit unknowingly also shot down the theories of the E. Normisly Stupid

He has posted a promise on his foglog that as soon as he quits laughing he will discuss the latest information on the case and why he thinks the defendant made a procedural error. Of course, it is anyone's guess as to how long it will take him to quit laughing and post something more. After all, it took him almost two weeks to quit watching the OPEN and post another obfuscation on his foglog.

Another factor which clearly shows his inability to read and understand court cases is his use of the case Zippo Mfg. Co. v. Zippo Dot Com, Inc., 952 F. Supp. 1119, 1124 (W. D. Pa. 1997)

He stated the following

I think in Creditwrench CEO Billie Bauer's favor is the court's holding in Zippo Mfg. Co. v. Zippo Dot Com, Inc., 952 F. Supp. 1119, 1124 (W. D. Pa. 1997) which in part states:

What he fails to have read and understood is the most vital element of all in the case which is that the defendant lost miserably. Which is, of course, what he would like me to do in this situation.

Clearly, the E.Normisly Stupid thinks I am as dumb as he is.

Another point made by him in his E. Normis Stupidity is the following also extracted from that same court case:

A passive Web site that does little more than make information available to those who are interested in it is not grounds for the exercise [of] personal jurisdiction.

In Zippo the court said that information made available to those who are interested in it by a passive website is not grounds ofr exercise of personal jurisdiction.

Passively posting information on a web site for anyone to grab and do with as they see fit is a far cry from a web site whose information is only available for a high price. And if the seller of that information provides false and misleading information to it's consumers is a very far cry from passively providing information for anyone to grab and use as they see fit.

So exactly how was the information being sold false and misleading? The information itself was not false or misleading because buyers knew exactly what they would be getting for the money they paid. What was false and misleading was claiming that the "service" advertised was perfectly legal. So how was it not legal? The contention was and still is that it is not illegal for the purchaser to be added as an authorized user to the tradelines of people unknown and unrelated to the purchaser for the sole purpose of artificially elevating their credit scores. Well, that much is true as well, but what isn't stated is that if the purchaser uses that falsely elevated score to get credit he otherwise could not qualified for he has presented false and misleading information to a lender and that is an illegal act under federal statutes and carries a stiff penaly. So, no, it isn't illegal to be added to the tradelines of another person unknown to the purchaser. What is illegal is use of what was purchased to artifically elevate ones credit score for the purpose of obtaining new credit that one would not otherwise qualify for.

All of the correct filings in Callier v. Bauer will be posted here as soon as they appear on Pacer.

That way you don't have to rely on the monkey to post whatever portion of the truth he wants you to know about. The monkey never tells the truth, the whole truth and nothing but the truth.

And now it would appear that the little monkey has disappeared into a hidey hole somewhere. Gone! Poof! Pulled a disappearing act. He may even have destroyed his whole blog. One very interesting bit of information that I have come up with is what appears to be a name which is Zum Lesen anmelden. All indications are that just might be his real name or maybe one he just dreamed up. Who knows?

Thanks to E. Normis Debtor

2007-07-01T11:27:00.000-05:00

Thanks to E. Normis Debtor

I have noted with great interest that E. Normis Debtor has posted his suggestion that the defendant challenge the jurisdiction of the court on his blog. In the referenced case the Plaintiff has expressed great respect for E. Normis Debtor and his opinions.

How the Plaintiff will react to E. Normis Debtor having made suggestions which are apparently intended to reduce the chances of the Plaintiff to prevail remains to be seen.

The outcome of this case will be interesting indeed.

Another interesting aspect of this ongoing lawsuit is that Robert Paisola of Western Capitol Financial and mycollector dot com has expressed an interest in being joined as a 4th plaintiff in the case. He has generously offered to pay half the costs of litigation.

In the event that the current 3 platiffs should decide to accept Paisola's offer would they then be willing to give Paisola half of the expected $1,040,000 proceeds?
It seems unlikely that they would sell a half interest in the proceeds for $125.oo but if the plaintiffs were to accept Paisola's offer that certainly would seem to be a great position for Paisola to be in.

Maybe they would be more amenable if Robbie were to pay $90 for a 1/4 interest in the outcome of the suit and take the chance of walking out with $260,000 each.

If the court dismisses the case for lack of jurisdiction as suggested by E. Normis Debtor then the current 3 plaintiffs would only have wasted $270. That may be something they might give some consideration due to their obvioiusly great respect for the opinions of E. Normis Debtor. If, on the other hand they let Paisola have a half interest in return for the payment of half the costs and the court dismisses the case for lack of jurisdiction, they would only be out $180.00.

There is also the possibility that the court will dismiss on other grounds raised by the defendant and if that happens the defendant may decide he ought to file suit on some availably cause of action. Maybe the defendant might sue each of the current plaintiffs for $1,040,000 each. How would Paisola like that? The defendant has good reason to suspect that Paisola would not even respond to the complaint and the defendant would then be awarded judgment against Paisola for the full $1,040,000 plus costs. After all, he didn't respond to other complaints when he was sued so why would he respond to another one?

Of course, the current plaintiffs and Paisola alike believe that they will be victorious but at best they only have a 50-50 chance to win. Either they will or they won't. Only time will tell which way it will go.

P.S.

After a week of watching the Open, E. Normis Debtor finally woke up, rushed over here to see what the latest news might be regarding this case, hunted around Paisola's blogs until he found what I was referring to and finally from deep within the bowels of his nauseous anatomy loudly emitted the following"

Sunday, July 1, 2007
More babble eminating from the pie whole of Paisola
Recently, Western Capital CEO Robert Paisola suggested he be named a co-plaintiff in the case of Callier et al v. Creditwrench. His reasoning? He is a "similarly situated party".

Where Paisola comes up with so much Crappola is beyond me.

This case is not a class action, doesn't qualify as a class action, and will never be a class action.

What Robert Paisola is talking about, but apparently knows nothing about, is the legal principle of permissive joinder.

However, to be joined as a plaintiff in the instant case would require that Western Capital CEO Robert Paisola had a right to relief out of the same occurrance(s) alleged by the current plaintiffs that entitles them to relief. One only need read the complaint to see that Robert Paisola has no colorable claim arising from the actions of Creditwrench that allegedly damaged the named plaintiffs.

// posted by E. Normis Debtor @ 12:57 PM
Sunday, June 17, 2007
More false and misleading information from America's most notorious con-man Robert Paisola
More later....watching the Open :)

// posted by E. Normis Debtor @ 8:40 AM
Wednesday, June 13, 2007

He just couldn't resist the temptation be a spoil sport since it would have been funny as all git-out if Paisola had actually tried to become a co-plaintiff and the current plaintiffs had attempted to let him in.

Patti Pacifico, Robert Paisola, E. Normis Debtor

2007-06-14T10:02:00.000-05:00

Patti Pacifico, Robert Paisola, E. Normis Debtor

I was recently doing a spider scan and ran across a Robert Paisola web site where he mentioned an article I wrote on this blog on Wednesday, May 23 in which I used the term jounralistic prostitute in relation to the fact that Patti Pacifico had commented very negatively on my having requested her glowing media press release about Robert Paisola, the Thief-In-Chief of Western Capital Financial. Paisola's site contained an entry in which he soundly denounced my article and provided a link to a page on Pacifico's site that expressed great dismay at the thought that I had bashed her in my article.

So why did I use the term Journalistic Prostitute? The first problem that presents itself is that we need to define the term and that may indeed be a difficult task all by itself when even such a prestigious member of the Ignorati such as E. Normis Debtor who lays claim to be all knowing about almost everything in his Quixotic blogging adventures states that frankly he is not sure what a "journalistic prostitute" is.

Of course, in his quest to seek out and slay all the evil knights of credit repair bounding about the internet while protecting the honor of his fair maiden CCH CONSULTING, another illegal credit repair scam he had to take a few more pokes at Robert Paisola thus proving his similiarity to DON QUIXOTE who, according to Miguel Cervantes, rode about the ancient Spanish landscape jousting with windmills in the night trying to uphold the dignity of his fair Dulcina, a prostitute.

Of course all of us know the definition of the word prostitute but many do not realized that a woman does not legally become a prostitute until she mentions a price she will charge for bestowing her favors upon another and usually without somehow ascertaining whether or not that other person might have some type of social disease.

So now let us attempt to see what is defined by the term Journalistic Prostitute since the word prostitute is modified by the word Journalistic. I tend to think that the phrase journalistic prostitute would refer to anyone who authors an article or recommendation of another for pay without any attempt to determine whether or not those they praise have some sort of social dis-ease.
Doing so usually deteriorates the credibility of the author very rapidly and most especially so on the internet.

I used the term Journalistic Prostitute for the simple reason that I found it strange indeed that someone such as Patti Pacifico who is highly regarded in many internet circles would have authored such glowing recommendations and defenses of the Thief-In-Chief of Western Capital without first having checked him over for his multitude of social-disease(s) such as being a convicted sex offender, having been convicted of fraud, violated his parole and easily spotted for stealing the content of other's work and claiming it to be his own, not to mention the fact that he gives and sells information and advice on subjects which he so obviously knows little or nothing about.

In short, I was merely expressing my sorrow that anyone who claims to maintain high standards for their literary work would lower themselves to the extent of bestowing their recommendations on the likes of Robert Paisola.

I must however applaud Patti for the fact that those pages which once extolled Paisola have now apparently been purged by her at a rate that is surely alarming to the Thief-In-Chief.

Journalistic prostitute
Robert Paisola
Thief-in-chief
Patti Pacifico
E. Normis Debtor
creditwrench
cch consulting

E. Normis Debtor and Robert Paisola.

2007-06-12T15:39:00.001-05:00

E. Normis Debtor recently posted the following on his foggy bottom blog

Posting, or publishing in any form, copyrighted material without the real authors permission, can expose one financially if the author chooses to pursue a private right of action against the publisher.

// posted by E. Normis Debtor @ 4:18 PM

Maybe the E. Normis Debtor should remember that when he reposts material he steals from other people's blogs and web pages without giving link credit to the original author at the very least.
This author always gives E. Normis Debtor lots of credit which you can easily find at Technorati by putting E. Normis Debtor in the search box.

E. Normis Debtor
E. Normis Debtor

E. Normis Debtor and his nonsense postings

2007-06-12T00:08:00.000-05:00

Monday, June 11, 2007

Creditwrench on replevin

Here is some recent advice posted by Creditwrench CEO Billie Bauer to those who might be facing an action in replevin.

"So if you are in foreclosure.....The first thing you need to do is to make as certain as possible that your home is totally secure, otherwise you too can come home to find your home stripped"

Absolute nonsense.

Absolute nonsense is it? Since when is it absolute nonsense to make certain that your home is as secure as possible?

You can't make your home secure enough to remove it from the reach of the mortgage company if they have taken the necessary legal steps to take possession.

IF, IF, IF, IF, always an IF in there, isn't there? Problem is that mortgage companies don't always take the necessary legal steps first. They have companies to whom they send lists of their homes which they are going to foreclose on. These companies are paid to watch the homes on their lists to see to it that they are not abandoned and left unattended. If they find a home that appears to have been abandoned they have orders to drill out the locks and replace them with new ones. They are also supposed to "winterize" the homes even though the daily temperatures
are in the triple digits. They usually don't want to have to go to all the trouble of drilling out the locks if they can find an open window or door to gain entrance through but they will drill out the locks if they can't find an easier entrance point. If they can find an easy entrance point they prefer that to standing outside the home in broad daylight drilling out the locks. Causes less problems if a patrol car happens by and thinks there might be suspicious activity going on. This process of locking out the home usually isn't a problem because it normally happens when the home has truly been abandoned and is obviously vacant. But if it is done before all the legal steps have been taken then it is an illegal eviction and it happens with regularity. The E. Normis Debtor jumps to conclusions in his haste to defame yet once again.

Someone doesn't just show up with a u-haul and start moving out your furniture. That's how people get shot. They arrive with the sheriff in tow. The sheriff takes possession of the property by court order and allows the creditor to take whatever steps are necessary to enter the property.

No, they don't just show up with a u-haul and start moving out your furniture. If there is any furniture in the home they just throw it out on the curb for the trash man or whoever to haul it away for them. They don't take that much time. And if the homeowner isn't there and apparently hasn't been there for at least a few days then who is going to shoot them, the neighbors?

The more "secure" you make your residence, as suggested by Creditwrench CEO Billie Bauer, the more damage will occur during their entrance. But, enter they will....period.

Wrong again Normie. There normally isn't any damage at all. They simply drill out the locks if they can't find an open window or door and replace the locks with new ones. They are paid to clean up the property and get it ready to go on the market, not damage or destroy property. But sometimes they go too far and don't investigate enough. They are supposed to watch the property for a few days to see if there might be some activity or signs that the property is still occupied before they do their handiwork but sometimes they don't.

Your state statutes clearly define what steps a creditor must take in an action in replevin, or repossession of real property.

In most states, a creditor must post a bond with the court in an amount equal to or greater than the value of the property they are seeking to take possession of.

If it is later adjudged that their taking possession of the property was not in accordance with local laws, that bond is used to compensate the homeowner for any damages. And statutory damages can run as high as double the value of the property.

So contrary to Creditwrench CEO Billie Bauers false and misleading advice, the first thing you should do when faced with a foreclosure action is to consult legal counsel to ensure your legal rights are protected.

OH sure Normie. More of your useless advice. Useless because most people in foreclosure don't have the funds to pay for competent legal counsel even if one was available. There are no attorneys in Oklahoma willing to take on such cases. I do know of one who claims he will do that but the only way he will is if he thinks he can file a big lawsuit on the creditors for some violation of law. Then he makes the homeowner sign a contract which stipulates that if he files a lawsuit and wins he gets 60% of the take and they get the rest after costs. Problem is that if you check his public record you will find that he has never filed a lawsuit against any creditor in any court. Like you, Mr. E. Normis Debtor, he is nothing but a scam. Normie claims that the creditor has to put up a bond to foreclose on a home that is equal to the value of the home or greater. Not in Oklahoma they don't! And in fact, the creditor is seldom the plaintiff at all in a foreclosure action. The plaintiff is usually some other entity such as Mortgage Electornic Registry Systems acting on behalf of the creditor. MERS claims to hold title to more than 36 million homes throughout the United States but in reality holds not even one mortgage or note.

E. Normis Debtor
scam
foreclosure
replevin
Mortgage Electronic Registry System.
MERS
mortgage
note

Christine Baker fights back.

2007-06-11T18:20:00.001-05:00

Christine Baker fights back

There is a lady on the internet who has long criticized and made fun of Creditwrench CEO Billie Bauer and Creditwrench. She lives out in the Arizona desert and has a multitude of web sites and web pages most of which she calls fight back something or other. Runs a few blogs too. She claims that Creditwrench and it's methods are no good and in some cases such as the westcap endorsement for tradeline removal after payment claims she can't even understand what it will do.

She claims to have much better methods to fix credit but let's see how good she is at fending off debt collection phone calls compared to the creditwrench method to be found at 18questions.html

She put up two recordings on a new web site of her talking to a debt collector. Christine Baker live talking to a debt collector

She put the two files up in .WAV format so if you just click on them all you get is a bunch of gibberish. In order to actually get them in audible format you have to copy the url and pasted it into Windows Media Player. I did that and saved each of the two little files then converted them to .mp3 files so all you have to do is click on them and listen to them if you have Quicktime.

Her two original files are to be found here. so that you can check them to be sure that they are exactly the same with no editing in case you choose not to take my word for it.

It quickly becomes obvious that Christine Baker don't even know how to deal with a debt collector let alone help anybody else. She needs to stop criticizing Creditwrench and get herself a copy. At the very least she needs to come up to speed using the recordings to be found on this web page.

18 questions.html Our old friend, E. Normis Debtor loves to use Christine in his diatribes which just goes to show how good his supposed information is as well.

Christine Baker
E. Normis Debtor
creditwrench
fight back
debt collection

New Post/Thread Notification: CreditWrench Resources

2007-06-09T18:44:00.001-05:00

Hello,

robbieo11 has just posted in the CreditWrench Resources forum of CreditWrench under the title of Consumer Not Required To Plead That A Cra Gave Notice To A.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1657

Here is the message that has just been posted:
***************
8. CONSUMER NOT REQUIRED TO PLEAD THAT A CRA GAVE NOTICE TO A

FURNISHER OF A CONTESTED ENTRY; DISCOVERY ON THIS IS ALLOWED

Watson v. Trans Union Credit Bureau, et al., 2005 U.S. Dist. LEXIS 7376, No. 04-205-B-C

(D. Me. 04/28/05).

FCRA imposes obligations on furnishers of information, technically speaking, only

after a CRA notifies them about disputed record information. The furnisher must investigate

the disputed information and report the results back to the CRA. A consumer can sue a

furnisher under FCRA for failing to fulfill its obligations; however the consumer is not

absolutely required to specifically allege in his complaint that the CRA properly notified the

furnisher about the disputed credit information. Rather, the consumer should be given an

opportunity to collect evidence on this point during discovery to establish this FCRA element.

The plaintiff Watson was victimized by identity theft. The thief obtained credit from

New Cingular Wireless and ran up cellular phone bills in Watson's name. After the identity

thief failed to pay the cellular phone bills, Cingular reported the delinquent account in

Watson's name to the CRAs.

Watson sued Cingular for violating FCRA by failing to properly investigate and to

correct inaccurate information on his credit report. Cingular moved to dismiss on the grounds

that Watson inadequately alleged a FCRA violation since Watson did not assert that Cingular

as the furnisher was notified by a CRA.

FCRA Section 1681s-2(b)(1) provides that "[a]fter receiving notice pursuant to section

1681i(a)(2) of a dispute with regard to the completeness or accuracy of any information

provided by a person to a consumer reporting agency, the person shall" take certain measures

to address and resolve the dispute. Cingular argued that Watson's claim should be dismissed

because he failed to allege that Cingular received notice from a CRA . The Court disagreed:

"Given the fact that [the consumer] would not necessarily be privy to communications between

the credit reporting agency and the furnisher, it is legitimate to allow [him] discovery on the

question, rather than dismissing the action for want of a straw allegation."
***************

E. Normis Debtor's new running marathon

2007-06-05T14:19:00.000-05:00

E. Normis Debtor's running marathon

Recently E. Normis Debtor, the master of deception, attempted to convince people that he is not Brandon Callier of CCH Consulting. Watch his latest attempt to leap tall buildings.

On his blog falsely named CREDITWRENCH-THETRUTH He provided the following obviously false and misleading information.

Tuesday, June 05, 2007
Latest false and misleading information
Creditwrench CEO Billie Bauer seems to be a cornicopia of false and misleading information.

His latest disemination of false and misleading information once again concerns this authors identity. Which, by the way, is readily available on the internet to anyone who would bother to search. Go ahead, try it.

Now he has me confused with a company called CCH Consulting.

However it seems Western Capital CEO Robert Paisola gets his location information from Billie's blog. Apparently after reading Billie's blog, he called CCH Consulting to ask some very "direct" questions as to whether or not they are me. They are not me, nor am I them.

The first clue to the E. Normity of this blatant prevarication is that if he isn't Brandon L. Callier then how would he know that Robert Paisola had called Callier to ask such questions as claimed? Obviously he wouldn't have any such knowledge as claimed unless he either is Callier or a close business partner or friend or relative and knows Callier well. If he isn't Callier then Callier had to have related the fact of Paisola's call to E. Normis. E. Normis suggests that we do an internet search to find out who he is and that he is readily available. After untold numbers of searches over a period of many months using every search technique on a great many search engines no clue as to who E. Normis is has ever turned up except those that link him to CCH Consulting. His suggestion is nothing more than an exercise in futility. He would obviously not want us to search for Creditwrench-thetruth because that would reveal far too much about what he is but nothing about who he is. Maybe we should search for nobody because for all practical purposes that is what he is. Nobody. He sure would like you to believe he is somebody but is only a blowhard scared of his own shadow. As this author has always said, if they won't post their true name, address and phone number then you can't believe what they say or trust them as far as you can throw them. E. Normis Debtor is no exception.

So which is it?

E. Normis is actually Callier of CCH Consulting

E. Normis is a close business partner of Callier

E. Normis is a friend of Callier

E. Normis is a relative of Callier

So let's take the first assumption as the correct one and see where that leads us. We will start our search on Technorati.com which is most certainly one of the best blog search engines out there since they are now owned by GOOGLE. Neither Technorati nor the GOOGLE blog search turns up any solid clue as to whether or not E. Normis is or is not Brandon Callier or vice versa so as usual, the suggestion by E. Normis is nothing short of false and misleading.

So let's go to Brandon's web site to look for some clues. After all, going directly to the horse's mouth is usually not a bad idea at all. So what do we find there to give us a clue? Let us see. The first clue is to be found on his home page. There we find a link to Brandon's blog at angryconsumer.blogspot.com and when we click on that link we find a plane jane blog which is a carbon copy of all of the blogs claimed by E. Normis. All of them are as alike as peas in a pod.

He refers to a posting he made on the old pcmholdings message board wherein I first exposed the unethical tactics of his CCH consulting company. He just about jumped out of his skin defending CCH Consulting but why would he do that if he were not somehow related to or owned it? He offered absolutely no reasonable explanation for his outrage except that it was somehow legal to buy seasoned tradelines to boost your credit scores. While it may or may not be illegal, it is most definitely unethical and some authors are now beginning to claim that doing so is actually a fraud. Although at the time, his outrage at my disclosure of the scam might have seemed reasonable to some there was absolutely nothing other than actual ownership of the company in question that would have elicited such a vehement response from a disinterested person.

It is highly unlikely that E. Normis will ever tell the whole truth anywhere nor ever do or say anything that will actually reveal his true identity there is far more than enough evidence to leave little or no doubt that E. Normis and Callier are one and the same. E. Normis Debtor is a master of prevarication, false and misleading information and innuendoes so why is there any reason to believe him now? IF he isn't Callier then let him come forth with some concrete and conclusive evidence or forever stand convicted.

In any case, Callier and CCH consulting has been selling authorized user tradelines to people's credit reports at highly inflated prices and demanding all their personal infomation in the process.

E. Normis Debtor
false and misleading information Paisola
technorati.com

E. Normis Debtor -- How little he knows.

2007-06-03T17:39:00.000-05:00

E. Normis Debtor - How little he knows!

Recently E. Normis Debtor posted the following on the American Criminals Association (ACA) message forum.

E. Normis Debtor
Senior Member

Posts: 2407
Joined: Jun 2004

Friday 05/25/07 11:37 PM

Interesting note. Since my Western Capital blog about Robert Paisola began showing up on the first page of google for a search of the name Robert Paisola, he has purchased google sponsor links to show up on the search.

Creditwrench has about a dozen blogs on him working their way up in google. One thing I have to give Billie credit for is his tenacity to expose by use of multiple blogs.

-------------------------
Western Capital - The Truth

Little do you know how true your words are Normie but you will soon learn a harsh lesson about that very thing as it applies to you. What you don't seem to get through your thick skull is that you have been neatly exposed by your own hand and your own big mouth. Smooth move, Brandon Callier aka E. Normis Debtor. You and your illegal credit repair scam are now on the run. Little do you know that Creditwrench CEO will never let up on you and your little scams. You should have learned your lesson from BKEV and others who tried to do the same as you but failed miserably.

Now its years later and we now have much better tools to work with than we did back then.

E. Normis Debtor
E. Normis Debtor
American Criminals Association
E. Normis Debtor

Paisola and Patti Pacifico exposed

2007-05-23T13:09:00.001-05:00

>-Here is what we promised you yesterday. Robert Paisola is exposed for what he is in the Salt Lake City Weekly Newspaper.

This is really juicy and you will not want to miss the complete story.

Conman.com

If cybersquatter Robert Paisola is the future of the internet, then we’re all in big trouble.

by Stephen Dark of the Salt Lake Weekly Newspaper

“WELCOME TO THE WONDERFUL WORLD OF ROBERT PAISOLA.”
The greeting was scrawled in red on a board in a conference room of a Salt Lake City office complex and storage unit site. Paisola, wearing an ever-ready smile, sat at a large round table, waiting.

Actually, the world of felon and alleged Internet cyberpirate Robert Paisola can be downright creepy. It seems the Internet—more so than patriotism—has become the last refuge of scoundrels.

I promised the manager of the building where Paisola and I met not to reveal the property’s name and address. She didn’t want to be associated with 39-year-old Paisola in print, especially after learning he claimed it as one of his offices. Nor did a self-described friend of his at the complex, who held up his hands at the mention of Paisola and walked away. One of Paisola’s relatives even begged via e-mail that his family not be brought into any story.

Paisola, however, wanted to talk—at least for our first and last interview. “I want front page,” he chanted.

So, for two and a half hours, we battled over the truth about Paisola, founder and Chief Executive Officer of a mysterious Utah company, Western Capital Group.

While Western Capital Financial, Inc. is a state-registered corporation, whether or not the company actually has offices or employees beyond Paisola and the Lehi condo he rents from a relative is debatable at best. Paisola’s court-documented criminal past, which includes convictions for insurance fraud, child pornography possession and false loan applications, is not.

Paisola considers the past behind him. “I simply draw a line and move forward,” he said. “That’s the way I am able to create what I create, the abundance in my life. I do so by being able to simply say, ‘That was then, and I’ve paid my price to society for the things I have done.’”

But, if such abundance exists, critics argue, it may come in part from Paisola soliciting fees on the Internet from people being pursued by debt collectors. He professes to be an expert on debt collection on his Website MyCollector.com, but doesn’t reveal that law enforcement agents shut down his first collection agency, and he went to jail for submitting a false loan application.

Which perfectly illustrates the true wonder of Paisola’s world: It’s built on an electronic version of the street-corner hustle, Three Card Monte. Apparently with plenty of time on his hands, Paisola endlessly shuffles and multiplies Web pages so you never know where the truth is hiding—or if it’s present at all.

Take Robert Paisola's Western Capitol Foundation. Its Web page says it promotes “criminal offender reform.” MSNBC even featured him as a prisoners' rights advocate in a news segment in February. Yet Paisola can’t cite a single prison he’s visited as an advocate or an ex-con he’s helped.

His publicist says he “is quickly becoming one of America’s eminent citizens, motivational speakers and success-training leaders.” But he would not provide a couple of clients to testify to the virtues of his programs.

Add to all this relentless puffery his pressuring of companies large and small with innuendo-strewn blogs and Websites and the overwhelming impression is of a man hiding his past from prying eyes with endless digital sleights of hand—even as he claws at your wallet.

Consider this a cautionary tale: Robert Paisola would like nothing better than to pull you into one of many scams, burrow under your skin and stay there.

You will not want to miss reading the whole story because there is a lot more there than this brief synopsis.

The full story from the Salt Lake Weekly Newspaper

And now that it is in public print by a reputable newspaper that now brings us back to the endorsements of Paisola by Patti Pacifico. She can now be seen as the Ruptured Duck of online journalism. What were you thinking of when you allowed yourself to become a supporter of the Thief-in-Chief of Western Capital Management?

Your condescending article talking about Creditwrench CEO Billie Bauer is now a living monument to your failure to first thoroughly investigate the Thief-in-Chief.

I requested your press kit on Robert Paisola and here is your official reply.

On behalf of my client, Mr. Robert Paisola, I extend appreciation of your request for his press kit. However, in light of your history with my client, I find no credible reason to offer any of Mr. Paisola’s media information to you.

Thank you Patti but now we all have a much better press kit than your and ours is from a credible source instead of a false and misleading press release by a journalistic prostitute.

Patti Pacifico, you also said the following:
From my research, it appears that you have satisfied customers as well as many nemeses. In favor of the astounding and wonderful opportunities my client has respectfully earned the acceptance to undertake, Mr. Paisola and I wish you the best in your business and sincerely hope for your continued success- that which comes from positive reinforcement and alliance.

I have no nemeses and if you had done your research instead of putting your faith in the Thief-in-Chief you would have found that out. Your nemesis as well as that of your bedfellow is now documented in the annuals of the internet for all to see.

Have fun Patti. I'm sure going to have fun with this one.

SLWEEKLY.COM EXPOSE OF ROBERT PAISOLA

Paisola
Pacifico
slweekly.com
Thief-in-Chief

E. Normis Debtor and Robert Paisola

2007-05-19T20:16:00.000-05:00

E. Normis Debtor and Robert Paisola

are engaged in a fierce battle of wits. In a recent post to his westerncapital-thetruth blog E. Normis made the following comment.

5/19/2007
Recently, Western Capital CEO Robert Paisola advised an unwary consumer that, because he didn't have a series of "written agreements" with a former girlfriend to repay the money he lent her, he was "screwed". Here is Western Capital CEO Robert Paisola's exact statement: "If you loaned a former girlfriend a substantial sum "Over The Years" I seriously doubt that you have a series of written agreements with her for the loans. Based on this fact, you are screwed." The above comment by Western Capital CEO Robert Paisola is a prime example of why he is unqualified to offer advice on such matters. If one person loans another money, and the party accepting the money agrees to repay it, a contract is formed. Providing the terms of the loan are legal, the contract is enforceable in a court of law and need not be in writing.

Of course, based on the E. Normis amount of email I receive, it would appear not many people are putting faith in any advice being given by Western Capital CEO Robert Paisola. Just do a google search combining the phrases "Robert Paisola" and "Western Capital" and you'll see why Uncle Normie gets so much email at unclenormie@oklahomacity.usa.com about Western Capital CEO Robert Paisola. So much for Western Capital CEO Robert Paisola's google "webmaster controls" that he threatened Uncle Normie with.

The comical part of the E. Normis post is that he always believes that everyone will automatically enter the exact search terms into google that he thinks they should. The problem is that people never do that! Most people surfing the net enter search terms very different from what bloggers and webmasters believe they will enter.

That is because webmasters and bloggers usually have an E. Normis ego. If they are trying to sell Grady County Buffalo Chips their ego leads them to believe that everybody will be hunting for their product or service. That simply isn't the case.

An E. Normis ego leads Normie to falsely misinform his readers that he gets large amounts of email and his blog has an E. Normis following which is, of course, far from the truth.

The same is true of his opponent, Robert Paisola. Paisola's Enormis imagination leads
him to believe that all of the bad publicity he himself has fathered by his criminal actions is the cause of his failure to acquire new suckers for his nefarious business practices. Of course, nothing could be further from the truth because nobody searches for Robert Paisola nor any of his congregation of false business names.

What these two clowns need to learn is how to position one's self in search engines using search terms that large numbers of people are searching for constantly. Until they learn to quit listening to what their egos tell them and learn how to do it right nobody will ever find their rantings and ravings.

Paisola
Enormis
Debtor
Normie
misinform

E. Normis Debtor up to his old tricks again???

2007-04-04T20:35:00.000-05:00

I looks like E. Normis Debtor is definitely up to his old tricks again.

First he gets caught over on the beastiality forums by Robert Paisola and then he tries to claim that Paisola has been arrested by a riot squad in full battle gear at his home, then his next scurrilous trick is a direct attack on Paisola via his funny blog. Now it appears he has infiltrated pachealthcare forums with more of his porn stuff.
Typical tricks by E. Normis Debtor to draw attention to his failed attacks on others.

Off Topic Discussions
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oeosjjjee
New Member

Joined: April 04 2007
Online Status: Offline
Posts: 1

Posted: April 04 2007 at 5:31pm \| IP Logged

Paisola
Normie
beastiality

Paisola vs. E. Normis Debtor -War of the Blogs

2007-03-20T19:20:00.000-05:00

Paisola vs. E. Normis Debtor

War of the Blogs

The battle of the blogs between the Thief-in-Chief of Western Capital Management seems to be dying down a bit with E. Normis Debtor the obvious loser. The Thief-in-Chief has rained blow after blow on poor Normie who has apparently fled the scene.

Normie does that from time to time and posts less and less as he wearies of the fray and then gives it up altogether but never admits defeat. Like the energizer bunny, he just keeps on going and going and going.

Thief-in-Chief
Paisola
Normie
energizer bunny

Robert Paisola Thief in Chief of Western Capital Management

2007-03-14T07:33:00.000-05:00

Robert Paisola - thief-in-chief

Robert Paisola, TIC (Thief in Chief) of Western Capital Management must be a kleptomaniac among his many other accomplishments. He just can't keep from stealing from other people.

One of his latest escapades was to steal a webpage from me. He then put it on his web site as though it were his own. He put his own name and links to his web pages all over it.

He has earned the right to be called the TIC of Western Capital Management.

thief-in-chief
tic
Paisola
kleptomaniac

Robert Paisola, conman, exfelon, kiddie porn junkie, parole violator, prevaricator, ripoff artist, thief

The Paisola-Pachealthcare battle rages on

2007-03-13T04:25:00.000-05:00

The Paisola-Pachealthcare battle rages on

I see that the battle between Robert Paisola and Ryan Evans of Pachealthcare systems rages on.

Evans just escalated the flame war even more by registering yet another ripoff name My-collector.com. Robert Paisola reveals all

That should put Paisola into a frothing at the mouth rage for sure. It is obvious that E. Normis is learning some of my tricks but he has an awful long way to go before he even begins to catch up to me. Paisola or some unknown 3rd party has also been fighting back hard.

E.Normis started the latest round in his incessant flame wars by finding a spam ridden board and using another fake name he posted a flame message then sped over to his stolen blog and posted a message claiming that he had found this new message board which proclaimed that Paisola is an ex sex offender. Of course, that is old news that nobody except Ryan Evans who runs a competing collection agency called Pacific Health Care in Fullerton , California would even care about. It appears that the whole ruckus is nothing more than two debt collectors fighting over the business. At least that is what appears to be going on. They sure are going at it tooth and nail fashion.

E.Normis
tooth and nail
Paisola
Paisola-Pachealthcare

Uncle Normie and false and misleading information

2007-03-11T13:17:00.000-05:00

In a recent post on his blog Robert Paisola took Uncle Normie to task over his posting of obscene, false and misleading information.

In a manner not atypical of the finger pointing moron, Uncle Normie once again attempted to evade the question with the following post on his message board which was immediately echoed on Robert Paisola's history tracker which shows up as soon as Cheapshot Normie posts something.
Here is what the history tracker reported that Cheapshot wrote on his blog.

In this recent post, Western Capital CEO Robert Paisola toots his own horn about what makes him a great mentor. Gee, identical to the words of Danielle Kennedy. I wonder if Danielle is aware of this plagiarism. I'll ask.

But when we go to Normie's blog we find that he even plagerized the name of his blog!

Then goes on to state the following there.

Define Success

More material plagiarized by Western Capital CEO Robert Paisola.

Compare:

JoAnna Carey, The Rat Race Relaxer, Thu Dec 8th, 2005 08:44:28 PM

Article by Robert Paisola

Western Capital CEO Robert Paisola's internet postings are nothing more than cut and paste jobs, using other legitmate and successful business peoples intellectual property.

He steals, then attempts to sell you his stolen goods.

Typical MO of a con-man and scam artist.

Normie is so punch drunk he can't even pay attention. Gets things confused. Neither of the two articles he refers to say anything about Danielle Kennedy!

Then in his rush to judgment and defamation he offers no proof whatever as to who actually wrote the article in the first place. He leaves it to our imaginations fueled by his probably false accusation that it was not JoAnna Carey who did the plagerizing but rather Robert Paisola!

Rather than having the integrity to do his homework before jumping to conclusions he makes the claim that his victim did the dirty deed and hopes that his readers will take his word for it and believe all that he says.

-thetruth is that nobody who has the mental prowess to stop and think would accept the words of the pot calling the kettle black.

Normie
Cheapshot
obscene
Danielle Kennedy
Joanna Carey
con-man

Thanks to Robert Paisola

2007-03-10T18:01:00.000-06:00

Thanks to Robert Paisola

Uncle Normie has attempted to bad mouth Robert Paisola of Western Capital Management. This is not his first attempt to rip people apart. He tried to steal my domain name of Creditwrench-thetruth.com but failed
miserably at that.

Now he not only has to fight Robert Paisola who is doing an admirable job of showing up Normie for what he is, a miserable little homosapien cockroach but in doing so Normie now has two of us to fight at the same time.

Normie accused Paisola of stealing information from other web sites and webmasters but Paisola proved beyond a shadow of a doubt that Normie is guilty of doing exactly what he accused Paisola of doing.

Normie
cockroach
creditwrench-thetruth
homosapien
Paisola
fight

Uncle Normie loses the war

2007-03-08T09:28:00.000-06:00

Uncle Normie loses the war

Uncle Normie started a blog war with Western Capital Management CEO Robert Paisola a few days ago and Rob fought back with a vigor seldom seen on the internet.

Normie accused him of folding like a cheap suit but in the end it was Normie who folded like a cheap suit by shutting off his blog to public view. He simply couldn't stand the heat.

Rob may have made a few mistakes in his lifetime but he sure got this one right. Normie ran like a whipped pup.

He has now started and lost two wars. What will his next madcap adventure be? Only time will tell.

Normie
cheap suit
Uncle Normie
Paisola

Uncle Normie recommends Robert Paisola training

2007-02-23T22:12:00.000-06:00

E. Normis Debtor
Senior Member

Posts: 2339
Joined: Jun 2004

Friday 02/23/07 4:42 PM (NEW!)

While offers of compensation are certainly appreciated, I must respectfully decline.

Among the reasons for declining is the fact that my internet persona is completely non-commercial in nature.

If I were to charge for what I do on the internet, I would essentially be in competition with the likes of Western Capital CEO Robert Paisola, et al, who charge for their advice on collection matters.

A nexus could then be drawn that my persona's use of domain names such as Western Capital-TheTruth was confusing and violated trademark laws.

Because I do not accept any fees for what I do, my endeavors are clearly noncommercial in nature, and, as a matter of law, beyond the scope of trademark laws.

Plus, deadbeats like Derek would never pay up anyway and I'd have to sue him

If you do insist on paying for advice, you might consider signing up for Western Capital CEO Robert Paisola's VIP program for $200.00

-------------------------
Western Capital - The Truth

Edited: Friday 02/23/07 at 4:52 PM by E. Normis Debtor

Uncle Normie
Robert Paisola
Paisola

The truth about creditwrench-thetruth.blogspot.com

2007-02-22T03:48:00.000-06:00

Defamatory remarks about others posted in egroups, wikis and message forums abound on the internet today. It seems that some believe that all they have to do is post enough negative remarks about someone they dislike or with whom they have had an unpleasant experience and their words will be totally believed and accepted as the truth, the whole truth and nothing but the truth.

Such naysayers often believe that they are invincible and can hide behind false names and fake email addresses using proxy servers to further hide their identities and thus become invisible and untouchable. One such case in point is a person who calls himself "Uncle Normie" and often "E. Normis Debtor". This cretin believes that everyone will search Google, MSN, Yahoo! and other engines for the trade or personal names of his victims and be convinced that once the surfer sees what Normie has posted they won't do business with that person.

But nothing could be further from the truth because people are usually smart enough to look at both sides of such coins as Normie presents. He cannot escape his own reputation which is accurately portrayed on a multitude of web pages all over the net
which fully reveal who he is and what he is.

Here are just a very few of those web sites, web pages, wikis and blogs.

Creditwrench-thetruth is exposed on this wiki

Here is a swiki also discussing Normie

PBWIKI is a very popular wiki which is adding many new and powerful features to it's system

At one time there was a message board frequented by debt collection professionals but which was forced to shut down by the rantings and mad ravings of Normie, inventor of a blog known as "creditwrench-thetruth" which he used as a part of his defamation campaign. PCMHOLDINGS message forum was owned by PACIFIC HEALTH CARE SYSTEMS which, despite it's deceitful name is actually a collection agency which has nothing to do with health care. Pacific Health Care was so proud of it's message forum and the collections professionals who posted there that they put out this great promotional movie showing the posts to be found on their message board. If you want to find out the real truth about Uncle Normie and his "creditwrench-thetruth" blog you should see this promo movie.

If you have comments about Uncle Normie or the movie you can email them to him at unclenormie@oklahomacity.usa.com He will be most happy to hear from you.

Obviously the collections industry itself isn't all that enamorated with Normie as can be seen by their comments in their official collection industry magazine.

In his Enormis efforts to defame, Normie used what is known as "The Dingo Anonymous Remailer" to spam 120,000 news groups with this message.

As one can imagine, most of the newsgroups really appreciated E. Normis Debtor and his efforts to educate. Rowdy Yates expresses his appreciation in this post

Google now claims to have a negativity filter which supposedly helps to eliminate negativism in their listings. This was brought about by the many web pages and posts attempting to defame President George Bush. Let us hope that Google will be successful in eliminating such spammers and defamers as Uncle Normie in the future.

Normie
pcmholdings
creditwrench-thetruth
negativism
spam
spammer

New Post/Thread Notification: Credit repair discussions

2007-02-07T20:35:00.001-06:00

Hello,

kelchristim1 has just posted in the Credit repair discussions forum of CreditWrench under the title of Credit card mayhem.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1569

Here is the message that has just been posted:
***************
Update:
I received my "updated" credit report from Experian today. They are the only credit reporting agency out of Experian, Transunion, and Equifax that respond to your credit inquiries quickly and honestly. Transunion is still showing crap I proved was wrong. Equifax continues to state I haven't supplied the right "size" identification. Yeah, you were right Bill, and I should have listened to you. I needed to blow up my ID. How about sending these idiots a 50 by 20 and maybe they can get a good look?
I am 100 percert correct when I state my FEDERAL BANKRUPTCY is law. I have one out of three CRAs believing that, and the other two continue to ignore what the Feds state is a fact. They really don't need a picture of me when a Federal Judge states "your crap will not fly". I keep you posted
***************

2006-10-14T18:02:00.000-05:00

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

2006-07-06T07:59:00.000-05:00

I am the Enormis braying jackass

also known as enormis debtor, e_normis_debtor, Uncle Normie, creditwrenchscam and any other fake name I can think of.

I am really a debt collector and I know the law better than any of these deadbeats. I am also a great PUTZMEISTER and my works are regularly featured in THE PUTZ REVIEW which is a widely circulated publication and featured in all engines.

I am also a member of THE IGNORATI which is an oranization of PUTZMEISTERS from around the world! You should subscribe to THE IGNORATI and learn all about this great society of Ignoramus Putzmeisters!

The Putz Review for July 2nd, 2006

Uncle Normie's Bil-LIES episode 1

Uncle Normie's Bil-LIES episode #2

Uncle Normie's Bil-LIES episode #3

Hey gang, I just put up this fantastic new blog about Billie Bauer.

You should go see it. It is a real hoot!

I am an insomniac and I hang around message boards that are supposed to be for debt collectors to talk about their work and how they collect their debts and I really hate it when deadbeats get on our message boards and bash debt collectors. The deadbeats nowadays all think they can get out of paying their debts by filing frivolous lawsuits on debt collectors. If I can get them to believe that is true so some of them go try it and get burnt in court then maybe us debt collectors can put a stop to it and save our jobs.

I really hate it when I'm drunk and somebody catches me in some mistake and jumps me about it.

Yes, I have a big drinking problem. I am a drunken sot debt collector and my favorite avatar is a picture of a bottle of black label. Having to fight with all them deadbeats on the telephone all day will drive anybody to drink.

I am also a wanted criminal but I'll never get caught.

I've also got a blog and I use it to beat up on a fellow who calls himself CREDITWRENCH. Of course, I had to snatch part of his tradename in order to make my blog look convincing and make him look bad if I possibly can.

I'm gonnna ruin CREDITWRENCH CEO BILLIE BAUER POWER BEAVER

if its the last thing I ever do!

And here is how I'm gonna do it. >>>Creditwrench-thetruth>>> and then the next step

Here is just a few of the many blogs he has.

FDCPA PRO

CREDITWRENCH-THETRUTH

COLLECTION INDUSTRY BLOG

The Ignorati at work and play

The PUTZMEISTERS BLOG

Creditwrench has over 4,000 webpages scattered all over the internet

I am an enormis scam artist too and I love to scam people into filing lawsuits. People are so gullible they will file a lawsuit that might get them a $1,000 award plus maybe attorney fees if they win thinking that will stop a debt collector from collecting what they owe.

I just came back from a delicious meal of beans & hog jowls down at our local rescue mission. Look for me in the line of people. I am the one with the bottle of black label in my hip pocket. The line of tables starts over in the right hand side of the picture.

I gots to hang out down at the soup line cuz I'm a lookin for some of the deadbeats owes me money so I can get paid. Might as well join the crowd and git me a good meal in the process.

My wife and I are also in the iron and steal bizness. She irons all day and I steals all night. By the time she gits done workin she is too pooped to pop so I gots to come down here and get me one of my girlfriends. Here is a picture of some of them.

Most of them gots an awful case of crotch rabbits but that's OK cause I don't mind scratchin specially when they only costs $5 a pop.

I been awful busy the last few days posting messages all over the internet telling people how they ought to be ashamed of themselves for filing frivolous lawsuits on people and how they ought to stay away from such places as artofcredit and creditnet and creditboards and the like too. I've posted on quite a few boards such as ripoff report, talkaboutbusiness,lawyers.com,credit insiders and as many places as I can find where the deadbeats like to post their messages. People ought to know better than to believe such stuff. They need to learn to stay away from all them places and pay their bills instead of learning how to be better deadbeats. Here is what I been teaching on all the places I been posting on.

Art of Credit is a message forum for deadbeats only. It will teach you how to be a better deadbeat and how to avoid your responsibilities to those you owe. Creditnet and creditboards is more of the same. Stephen is really Stephen Katz also known as flyingifr and Dr. Tax and by several other alias names. He tells the truth when he says he tells people to file lawsuits on creditors and debt collectors but he never tells you how to do it. The moderators at art of credit are rude and obnoxious and will ban you and delete your posts if you disagree with them in any way. Be a responsible human being and not a deadbeat. If you can't pay your bills then do the honorable thing and try to work things out with your creditors or debt collectors and if you can't do that then at least go file bankruptcy. But don't follow the advice of deadbeats like Stephan. It will only lead you to grief.

And that is why I'm on Creditwrench too. I keep trying to get him to let me teach him the law so he gets all confused and starts telling people wrong information just like what's on all those other message boards.

The people just need to start paying their bills instead of listening to Bauer and Katz and artofcredit and the rest of them.

Us debt collectors has got to git real cagey. I'm showing them how a smart debt collector does it. I run over to artofcredit and use another fake name "ISO more credit" and posts the following message over there.

Has anyone here ever used CREDIT WRENCH or the course?
... But there is a new blog by an attorney that is tearing apart Wrench's website
http://creditwrench-thetruth.blogspot.com/ has anyone ever used CreditWrench or ... www.artofcredit.com/phpBB2/viewtopic.php?p=85736

Everybody over on artofcredit hates CREDITWRENCH so I goes over there and bops him a hard one and they think I'm great. Then I runs all over the internet telling people the real truth about artofcredit too. I'm the best and I'll fix all them deadbeats and get them to fighting each other so hard they won't have time to fuck with us.

The mad ravings of Ignorati Putzmeister E. Normis Debtor
	THE PUTZ REVIEW Putzmeisters and how to identify them. 7/3/2006 Putzmeisters and how to identify them. Putzmeisters can always be identified by the fact that they make statements or… The PUTZMEISTER screws it up again! 7/2/2006 Judas Goat Joined: October 12 2004 Location: United States Online Status: Online Posts: 1217 Posted: July 02 2006 at… The Putzmeister 7/1/2006 E. Normis PUTZMEISTER Joined: October 12 2004 Location: United States Online Status: Offline Posts: 1213 Posted: July 01 2006… Subscribe to this Feed	THE IGNORATI AT WORK AND PLAY THE IGNORATI AT WORK AND PLAY: Ignorati member E. Normis displays his great intelligence 7/4/2006 THE IGNORATI AT WORK AND PLAY: Ignorati member E. Normis displays his great intelligence Another great new member inducted into the IGNORATI HALL O F IGNORANCE 7/2/2006 This IGNORAMUS is now a member of the IGNORATI HALL OF IGNORANCE. The following message he posted on a PUTZMEISTER'S forum named "SQUATLOOS" by some dumb llama named "Joey" is one of the many he has posted on SQUATLOOS and which has earned his nomination and acceptance to the IGNORAI HALL OF IGNORANCE. Seems we were all wrong about Billie Bauer aka Creditwrench. He ia a genius. Imagine the mental discipline it takes to force all rational thought from his head. I found this here http://groups.msn.com/HowsyourCredit also http://groups.msn.com/creditwrench the flames are a scream and last but not least www.creditwrench-thetruth.blogspot.com Hilarious....... It was a good attorney who revealed him for who he really is under another screen name and lo and behold it turns out to be none other than the infamous Judas Goat otherwise known as "Normie" "Uncle Normie" "E. Normis" "E. Normis Debtor" "Enormis Debter" and many more far too numerous. Lawyerdude Great Destroyer of Keyboards Joined: 12 Aug 2004 Posts: 794 Location: Ventura California Posted: Thu Feb 09, 2006 4:19 am Post subject: So then the anonymous coward who calls himself Rico Suave is also the anonymous coward who calls himself Uncle Normie. Strange but par for the course. Do tell, Rico anonymous coward. Did you make a false report to the FBI? Posted at Credit Wrench: " The infamous Twatlooser who calls himself "The-Duke-of-Prunes" and "Uncle Normie" and an untold and unknown number of other false screen names trying to hide his true identity just got nailed this morning after providing false and misleading information to the FBI about CREDITWRENCH. What the 27 year old single male nitwit from San Diego did was to claim that Creditwrench CEO Bill Bauer was actually a wanted man on the lam from Boston Police for Rico violations. So an investigation was launched by the FBI who knocked on Bauer's door this morning wanting to see if the report was true or not. They were pretty edgy until Bauer opened the door and then they could plainly see for themselves that they had been scammed into making an investigation based on false information. Bauer taped the conversation and provided a copy of the recording to our investigative reporter for reproduction here. Bauer reports that once the excitement settled down and he told the agents that this was obviously a false report knowingly provided to them by the California nitwit they were only too happy to allow him to file a complaint against the person who filed the false report. The Duke of Prunes may not be around for much longer. Have a Merry Christmas eating jailhouse turkey Dukie." Rico y Suave better known as E. Normis Debtor has a great website at this location Of course, he has many more than that. This one describes his ignoramus activities while attempting to portray himself as some kind of consumer advocate but all the while actually being nothing more than a Judas Goat ignorati ignoramus squatloos Judas Goat Normie Subscribe to RSS headline updates from: Powered by FeedBurner Subscribe to RSS headline updates from: Powered by FeedBurner Subscribe to RSS headline updates from: Powered by FeedBurner Subscribe to RSS headline updates from: Powered by FeedBurner Ignorati member E. Normis displays his great intelligence 7/2/2006 Ignorati Poster of the Month at pcmholdings.com Normie was trying to explain how he imitates CREDITWRENCH CEO BILLIE BAUER . Normie posted the following on his favorite message board, "The telephone goes green, green, and I pink it up and say, 'Yellow, this is CREDITWRENCH CEO BILLIE BAUER POWER BEAVER." No doubt, you have seen his PUTZMEISTER postings on pcmholdings.com. ;-) ignorati putzmeister Subscribe to this Feed	Uncle Normie What Uncle Normie believes 7/3/2006 Uncle Normie believes that large numbers of people visit his putrid blog but there are hardly any visitors to… Uncle Normie and his adventures 6/25/2006 Here is a nice photo of Normie's mamma. In her younger days that is. And here is his daddy. Here… Creditwrench CEO Billie Bauer FEATURED ON TV TODAY! 6/20/2006 Creditwrench CEO Billie Bauer FEATURED ON TV TODAY! Creditwrench CEO Billie Bauer was featured in a Channel 9 TV… Christine Baker -- the wicked witch of credit repair 11/10/2005 An additional problem is that Fair Isaac, Trans Union and Equifax are not clear about WHICH dates they are… Uncle Normie's junk pile 11/9/2005 Uncle Normie's junk pile Subscribe to this Feed

Another enormis line of bullcrap

2006-04-30T14:28:00.000-05:00

New Post/Thread Notification: CreditWrench

2006-02-09T09:07:00.000-06:00

Hello,

Big8Patsy has just posted in the CreditWrench forum of CreditWrench under the title of Answer To Complaint.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1001

Here is the message that has just been posted:
***************
Hay Bill good work on your debtor boards posts. What is going on with Keener? You are going to sue him?
***************

New Post/Thread Notification: CreditWrench CANADIAN FORUM

2006-02-08T16:56:00.000-06:00

Hello,

villagepotter has just posted in the CreditWrench CANADIAN FORUM forum of CreditWrench under the title of Canadian Debt Consolidation.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1044

Here is the message that has just been posted:
***************
Canadian Debt Consolidation
by: Robin K
source: http://www.clickengine.net/guide/bankruptcy/index.html

Life throws people a number of challenges often on a daily basis and unfortunately, some of those are financial challenges. The loss of a job, an illness and many other situations can make paying off loans difficult to do. Sometimes people simply overextend themselves with their financial commitments and find that they cant always make even the minimum payment on all of their loans. People from all over the world are finding that they are running into similar financial situations including Canada. Canadians as other nationals have the option of trying to qualify for Canadian debt consolidation.

A Canadian debt consolidation loan is when a bank or other lending establishment loans an individual enough money to pay off his or her loans in order to repay back the entire amount in a single payment often at a competitive interest rate. The creditor gives the companies that are owed money, in effect taking over the loan in order to help lower monthly payments and possibly improve the credit score of a person. Not every Canadian debt consolidation loan is offered at the same interest rate, so it is a good idea to look around for the best deal.

Another type of Canadian debt consolidation is where an individual contacts a debt consolidation specialist who in turn contacts the individuals creditors in order to make arrangements for lower payments or interest in order to satisfy the debt faster for less money. The purpose of this type of Canadian debt consolidation is to help individuals who can still make lower payments on their debts and to avoid having to file for bankruptcy. As with the Canadian debt consolidation loan, the outcome of using a debt consolidation service is to be able to make a lower monthly payment in order to satisfy debt but a good debt consolidation service allows a person to do so without taking on another debt.

A Canadian debt consolidation service works because instead of losing all of their money to bankruptcy or simply never being repaid at all, most lenders want to be able to get a good portion of their money back through a debtors payments. A Canadian debt consolidation service is trained to deal with lenders and lenders are comfortable dealing with a debt consolidation service. If an individual were to attempt to make the same type of arrangements a Canadian debt consolidation does on his or her own it isnt likely that he or she will meet with much success.

When approaching any type of Canadian debt consolidation service, make sure that the terms of either the consolidation loan or consolidation agreement are acceptable and possible. It doesnt make sense to get into another loan situation if it isnt possible to make payments. If a Canadian debt consolidation service arranges to make lower payments on existing debts, make sure that those payments can be made.

Successfully using a Canadian debt consolidation service can make dealing with financial issues much easier on most individuals and can also help him or her to avoid filing for bankruptcy. The benefits of using a Canadian debt consolidation service are immeasurable and can even mean an bringing past due accounts to a current status and improving a credit score over time. If financial obligations are beginning to feel overwhelming or if bankruptcy is being considered, it would be a good idea to look into Canadian debt consolidation and see if it would feasible.

find out more at: http://www.clickengine.net/guide/bankruptcy/index.html

More topics

What to Consider when Filing for Personal Bankr... (http://www.clickengine.net/guide/bankruptcy/what-to-consider-when-filing-for-personal-bankr.html)

Bankruptcy 101 (http://www.clickengine.net/guide/bankruptcy/bankruptcy-101.html)
***************

New Post/Thread Notification: CreditWrench IRS TAX FORUM

2006-02-07T18:46:00.000-06:00

Hello,

formalizingBusiness has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Do I need to file a tax form for 2006 Q1?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1041

Here is the message that has just been posted:
***************
I would say yes however. If you are supposed to file and don't eventually it will catch up with you because they IRS will charge you fees and penalties for filing late.

How much is the penalty fee (I'm just curious to know)?

Also the due date is April 15th (for this quarter)?

Quickbooks and other software is very helpful to assist you in determining your tax liability. I use QB and it calculates and prints the 941 for me. I think QB can be setup to do the state form also, but it only takes about 10 minutes to fill it out my state form so I never bothered trying to figure it out.
What software should I use? The company's business will be an internet business. QuickBooks, TurboTax or else?
***************

New Post/Thread Notification: CreditWrench IRS TAX FORUM

2006-02-07T18:19:00.000-06:00

Hello,

formalizingBusiness has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Do I need to file a tax form for 2006 Q1?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1041

Here is the message that has just been posted:
***************
No. The Form 941 is always due the last day of the month following the last month of the quarter. That makes it April 30th for this quarter. Do you have an EIN yet?

Have one, but I may need to get a new one if I decide to pay tax differently.

That's up to you. I've only used QB for my accounting and payroll. It has worked well for me. I own an automobile repair shop so I have a management program I also use that is designed just for auto repair. What does your accountant recommend?
Still looking for one. I think I need to a little more research to see what works best for me.

... so I'm at a very very early stage of operating the business.
***************

New Post/Thread Notification: CreditWrench IRS TAX FORUM

2006-02-07T18:00:00.000-06:00

Hello,

ICU812 has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Do I need to file a tax form for 2006 Q1?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1041

Here is the message that has just been posted:
***************
How much is the penalty fee (I'm just curious to know)?Back around 1990 the late fee was $50.00. Don't know what it is today. A penalty was assessed by use of a percentage based on how much money you owed them and how late you are. I can't tell what those figures are.

Also the due date is April 15th (for this quarter)?No. The Form 941 is always due the last day of the month following the last month of the quarter. That makes it April 30th for this quarter. Do you have an EIN yet?

What software should I use? The company's business will be an internet business. QuickBooks, TurboTax or else?That's up to you. I've only used QB for my accounting and payroll. It has worked well for me. I own an automobile repair shop so I have a management program I also use that is designed just for auto repair. What does your accountant recommend?
***************

New Post/Thread Notification: CreditWrench IRS TAX FORUM

2006-02-07T08:18:00.000-06:00

Hello,

ICU812 has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Do I need to file a tax form for 2006 Q1?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1041

Here is the message that has just been posted:
***************
If you don't already have a competent accountant get one. He can answer questions like that. I would say yes however. If you are supposed to file and don't eventually it will catch up with you because they IRS will charge you fees and penalties for filing late. I too am self employed, but my business is inc.'ed so I am an employee of the corp. When times have been so bad that I couldn't take a paycheck I still had to file a Form 941 with the feds, but it had all zeros on it. Same with the state forms. Quickbooks and other software is very helpful to assist you in determining your tax liability. I use QB and it calculates and prints the 941 for me. I think QB can be setup to do the state form also, but it only takes about 10 minutes to fill it out my state form so I never bothered trying to figure it out.
***************

New Post/Thread Notification: CreditWrench IRS TAX FORUM

2006-02-07T06:06:00.000-06:00

Hello,

formalizingBusiness has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Do I need to file a tax form for 2006 Q1?.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1041

Here is the message that has just been posted:
***************
I'm reading "Tax Savvy for Small Business" by Nolo, and I find the following statement:

Are business owners employees?

Sole proprietors, limited liability company members and partners are neither employees nor independent contractors of the business. Those owners don't have to fool with payroll tax withholding and paying. Instead, the owners mail quarterly estimated taxes to the IRS. However, working shareholders/owners of corporations - C or S corporations - are employees and subject to payroll taxes.

Source - Tax Savvy for Small Business, Nolo

I have a company formed in 2006 Q1, but the company has not made any money yet for variety of reasons. Also I have some priority, and I may not be able to finish up some administrative work so that the company will start making money (I am making money as an individual as of right now). Do I still need to file a tax form for 2006 Q1 or I can disregard it (and starting filing a form or three in 2006 Q2 or 2006 Q3)?
***************

New Post/Thread Notification: Credit repair discussions

2006-02-06T20:47:00.000-06:00

Hello,

howardi has just posted in the Credit repair discussions forum of CreditWrench under the title of Experien CR difficult to dispute.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1013

Here is the message that has just been posted:
***************
I agree EXP is the most difficult but, I am hoping that they will take off a paid/charged off account back in 2000.EQF just deleted it from my account and my score went up by 40 points...Keep trying. Good luck.

Check the book:

The Guerilla guide to Credit Repair:

TU: 735
EX: 695
EXP:761
***************

New Post/Thread Notification: CreditWrench

2006-02-06T06:56:00.000-06:00

Hello,

ICU812 has just posted in the CreditWrench forum of CreditWrench under the title of OCC and national banks.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1038

Here is the message that has just been posted:
***************
You could call the OCC. They have an 800 number that will tell you that if a bank has the initials N.A. in it's name then it is a national bank. Meaning, of course, that citibank is a member.
***************

New Post/Thread Notification: CreditWrench

2006-02-06T00:24:00.000-06:00

Hello,

AndyJackson has just posted in the CreditWrench forum of CreditWrench under the title of OCC and national banks.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1038

Here is the message that has just been posted:
***************
I remember hearing on one of the audio sound bytes about a national bank has to be a member(?) of the OCC in order to be a national bank. This was the one where people were talking about the restrictions on Discover suing in OK...

My question is, how does one determine if a so called national bank is part of the OCC? I'm looking in particular for info on Citibank N.A.

Thanks for any and all input.

Being sued currently by them as the original creditor.
***************

New Post/Thread Notification: CreditWrench

2006-02-05T22:38:00.000-06:00

Hello,

defeatCA has just posted in the CreditWrench forum of CreditWrench under the title of I refuse to pay NCO.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1036

Here is the message that has just been posted:
***************
Well done!
Kick Ass!

You should add "Come and get me...":D
***************

New Post/Thread Notification: CreditWrench

2006-02-05T17:44:00.000-06:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of I refuse to pay NCO.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1036

Here is the message that has just been posted:
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LOL! What is the "Special Situation?"
Well, first of all it isn't my debt. It is a debt belonging to a local Creditwrench student. He brought their initial contact letter to me about a month or so ago and asked me what to do about it and due to the special situation I mention I told him to just ignore it. Then, of course, as I predicted they sent the second one demanding payment so this is his response to the second letter.

Of course, in a sense, one could say it also constitutes a demand for validation although for me to say that does stretch things a long, long way.

(LOL)

I'll see you in S.L.
***************

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2006-02-05T16:56:00.000-06:00

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2006-02-05T16:24:00.000-06:00

Hello,

ICU812 has just posted in the CreditWrench forum of CreditWrench under the title of I refuse to pay NCO.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1036

Here is the message that has just been posted:
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LOL! What is the "Special Situation?"
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New Post/Thread Notification: CreditWrench

2006-02-05T15:17:00.000-06:00

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of I refuse to pay NCO.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1036

Here is the message that has just been posted:
***************
<center><a href="http://ncosuks.blogspot.com"><img src="http://www.creditwrench-thetruth.com/NCOSUCKS.png" alt="The NCO ***** logo" border="0" height="160" width="450"></a></center>

To heck with them!

<span style="color:red;"><b>Notice!!! There is a special situation that exists with this account which allows me to do this with impunity. If you don't have that special situation I would strongly advise that you do not use such a letter to any debt collector. The reason is that you will probably get sued if you do use it but in this special case I want them to sue me. I'm just trying to tick them off as much as possible so they do get stupid enough to sue me. Otherwise I would not dream of doing this. </b></span>

<img src="http://www.creditwrench-thetruth.com/Irefusetopay.jpg" border="0" height="900" width="600">
***************

This week in Legal answers

2006-02-05T09:06:00.000-06:00

	Weekly Report of Legal answers Group Activity

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New post Now You CanMake Love All Night long !!!

Make $ the Creditstench Way [creditwrench-thetruth] New Post/Thread Notification: Credit repair discussions

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Remove my e-mail address from Legal answers.

New Post/Thread Notification: CreditWrench

2006-02-04T18:08:00.000-06:00

Hello,

Roseyposey has just posted in the CreditWrench forum of CreditWrench under the title of Answer To Complaint.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1001

Here is the message that has just been posted:
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Boy - wish all I had to worry about was $9.95......what a freak'n waste of time! Got any swamp land you wanna sale me mister?
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New Post/Thread Notification: CreditWrench

2006-02-04T14:45:00.000-06:00

Hello,

ICU812 has just posted in the CreditWrench forum of CreditWrench under the title of Answer To Complaint.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1001

Here is the message that has just been posted:
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.......The reason I sued him was because he advertised a credit repair book on the internet for $9.95 and I bought it and found out that it had some false and misleading information in it........The lawsuit sounds like more of a waste of time and money than the $9.95 book. I am certain I have wasted more money than that on certain things, but I don't go suing someone every time I feel ripped off. Sometimes it's best just to let it go. The resulting stress you put yourself through is arguably more harmful to you emotionally and physically than the loss of the $9.95.
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New Post/Thread Notification: CreditWrench

2006-02-04T12:12:00.000-06:00

Hello,

keener has just posted in the CreditWrench forum of CreditWrench under the title of Answer To Complaint.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1001

Here is the message that has just been posted:
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And it happens almost every time one of my students goes to court. The lawyers want to know how they got the information that enabled them to win or they want to know who helped them prepare the paperwork. It simply isn't any of their damned business so don't tell them anything at all.

You don't have to be nasty about it or give them some flip answer. All you have to do is tell them that you aren't going to discuss that and bid them a good day and walk off.That way less chance of Billie getting caught practicing law with a license too.

For more on that, and other truths about creditwrench go to:

http://www.creditwrench-thetruth.blogspot.com/

Uncle Normie
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New Post/Thread Notification: CreditWrench

2006-02-02T17:33:00.000-06:00

Hello,

MrEman has just posted in the CreditWrench forum of CreditWrench under the title of Answer To Complaint.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1001

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***************
There is another thing that is happening regularly with my students that I might caution about and that is after they win in court the lawyers all come flocking out to ask them how they did that or where they got their information that enabled them to win against seasoned attorneys. Some of them are downright angry about it too. In such cases the students all seem to think they have to give them some kind of answers but the truth of the matter is that any answer they give will be used against them if at all possible and if not then it will be used against another student in the future.

So never give a plaintiff's lawyer any answer to their questions at all. Doing so can only hurt either you or someone else. Any answer at all is bad for everybody.

And it happens almost every time one of my students goes to court. The lawyers want to know how they got the information that enabled them to win or they want to know who helped them prepare the paperwork. It simply isn't any of their damned business so don't tell them anything at all.

You don't have to be nasty about it or give them some flip answer. All you have to do is tell them that you aren't going to discuss that and bid them a good day and walk off. Good advice, Bill. My court date for the Petition to Vacate is coming up on Feb 14th. Not having an attorney, nor being one, I'm sure they'll be interested in how I prepared such a slam --citing caselaw, with powerful exhibits and all. I'll neither volunteer any information nor answer any questions. http://consumers.creditwrench.com/images/smilies/tongue.gif
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New Post/Thread Notification: CreditWrench

2006-02-02T04:55:00.000-06:00

Hello,

xlaxplayrr has just posted in the CreditWrench forum of CreditWrench under the title of DCS and Student Loans.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1031

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DCS started contacting me regarding my student loan (balance = $25,000) in October.

I initially inquired about payment and was told, "Not everyone qualifies, let me check with management."

The agent's response was that I "qualified for a settlement" of $19,633 or three payment plans of

$12,698 down and monthly payments of $148
$8,380 and monthly payments of $197
$3,809 and monthly payments of $258

I just spoke with the same agent regarding a potential loan rehabilitation and he told me that the above payment plans represent a rehabilitation. In an earlier discussion I had made the mistake of hinting at my monthly income and asked if the payment plan was based on the number I gave him. I think I caught him a little bit later in the conversation when he said the payment plans would be the same offer if I had made $100 a month. No research I've done has indicated that loan rehabs require such a significant "good faith" down payment. In some cases, do they?

What should I do about them?

Thanks for your help from a first time poster.
***************

You are now a member of Hows your Credit??

2006-02-01T13:46:00.000-06:00

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New Post/Thread Notification: CreditWrench IRS TAX FORUM

2006-02-01T03:12:00.000-06:00

Hello,

tenring has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Paranoid about tax.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1030

Here is the message that has just been posted:
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Quick books is easy to use and a standerd in buisness. it makes it easy to keep track of income and expences. you still need to understand the variouse tax requirments. SO GET A BOOK KEEPER. you are clearly in a fog about all this SO GET A BOOK KEEPER. go to a CPA and ask for a referal to a book keeper. they will set you up if they are any good and you have them come in once a month to pay the variouse tax issues. you can have them do much more than that such as pay your bills ECT. Also some tax payments are paid quarterly if your vollume is low enough. do not pay qaurterly. there is nothing worce than having a big tax bill and no money. so pay monthly
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New Post/Thread Notification: CreditWrench IRS TAX FORUM

2006-02-01T01:51:00.000-06:00

Hello,

formalizingBusiness has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Paranoid about tax.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1030

Here is the message that has just been posted:
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get yourself Quick Books pro and a book keeper. for $100 a month the book keeper will keep you straight.

Why Quick Books pro? Why not other software? Also does any of these software notify you when you need to file tax and tell you how you need to file tax (what form, etc.)?
***************

New Post/Thread Notification: CreditWrench IRS TAX FORUM

2006-02-01T01:28:00.000-06:00

Hello,

tenring has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Paranoid about tax.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1030

Here is the message that has just been posted:
***************
get yourself Quick Books pro and a book keeper. for $100 a month the book keeper will keep you straight.

worying about that kind of stuff is a pain. let some one else do it.
***************

New Post/Thread Notification: CreditWrench IRS TAX FORUM

2006-02-01T01:17:00.001-06:00

Hello,

formalizingBusiness has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Paranoid about tax.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1030

Here is the message that has just been posted:
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I was working as a self employed individual for some time for variety of reasons, but I formed a company a couple of weeks ago, and I am in the process of formalizing the business operation, i.e., I will be receiving payments and making various payments as a business. I am studying tax right now, and I feel like IRS is already coming after me.

I have not received any payment or made any payment as a company, though the company itself has been formed and the company has a bank account; the bank account only has $100.

q. I don't have to worry about IRS right now, do I? There is no paperwork to do, nor is there any tax to pay, is there? I'm not asking about 6 months from now or a year from now. I'm asking about "right now".
***************

New Post/Thread Notification: CreditWrench IRS TAX FORUM

2006-02-01T01:17:00.000-06:00

Hello,

formalizingBusiness has just posted in the CreditWrench IRS TAX FORUM forum of CreditWrench under the title of Employee Tax.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=1029

Here is the message that has just been posted:
***************
If the company has an employee, then you need to pay payroll tax right? How does this apply to sole proprietorship? Also how does this apply to partnership? I guess what I really want to ask is the following: does the company have any employee upon formation? What if the company is LLC sole proprietorship? What if the company is partnership?
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Creditwrench postings

2005-11-06T12:09:00.000-06:00

Cybersmears, what they are and how to recognize them.

2005-05-02T16:20:00.000-05:00

How Cybersmearers Amplify Their Message **

The perpetrators of Cybersmear (or what is referred to as Internet Terrorism), are prone to predictable patterns. Most common among these is the strategy of amplifying a complaint or several accusations in an attempt to lend credibility. This is done largely through what we call “proliferation and amplification.”

The goal of an Internet Terrorist is to inflict harm on the target company or individual. This is done through what must seem to be credible information that also must appear to be large and prevalent.

Here are the consistent tactics of Cybersmearers on-line:

• Anonymous postings on scattered “chat rooms” and/or bulletin boards.
• Look for postings chronicling the “injustices” of the accused company in what appears to be detailed “bashing” or techno-discussion. Look for (amateur, unlicensed) interpretation and conclusions.
. Look for information or quotes taken out of context from the accused, or represented in very small segments as to be presented in a more misleading manner.
• With very few exceptions these basher will claim a concern for “innocent victims” or the “unsuspecting customer”.
• With few exceptions these bashers will claim a “neutral” stance, but will solicit either comments or emails which will predominate in the direction of the Smear (this is key to identifying a smear. True neutral discussions open to the public generally occur with both positive and negative viewpoints equally represented. If the balance is tilted too far in one direction, it is the fingerprint of a smear, and the posted comments can safely be considered false).
• It is common for all of the comments to be anonymously posted by the perpetrator(s) to create the sense of “unified outrage” or “a virtual stampede of individuals who agree” or “surprising public outrage” (all actual quotes).
• Further, perpetrators will anonymously post slightly varying opinions (all in the direction of the smear, of course), so a “discussion” can occur on finer points of the smear, all the while creating the impression of a larger complaint field.
• Among what is usually a small circle of smear perpetrators (generally ten or less individuals behind the largest and most famous smears), automatic posting notifications are sent out whenever one individual places new content on the Internet. This allows the others to rush to the scene with their anonymous postings, again, providing amplification and a false impression of the scope of the complaint.
• The band of smear perpetrators will carefully interlink their sites (to a controlled result, over linking is punished by search engines) so that their websites receive high ranking in search result pages.
• Key words, many times the company or personal name of the accused, will be used in the bashing of titles, body of text, and Meta tags so that someone searching for the accused will automatically find the Cybersmear websites. In this way, the smear is made known to those searching for the accused company or individual.
• The smearer’s strategy is to accomplish the following in the mind of the reader: “I didn’t realize all of this about (company or person). I wouldn’t normally believe it, but there is so much of it on the Internet. If it’s that prevalent, it must have some truth to it.”

Cybersmear perpetrators have simply followed the historical basis of telling lies successfully and applied it to the Internet.

Adolph Hitler said, “The longer you tell a lie, the more people will believe it.”

Our Cybersmear enemies know this strategy well, and they will use the above tactics of “amplification and proliferation” to achieve it.

creditwrench-thetruth.com

Now everybody can see what is going on and know that there is no credibility to it at all, only a cybersmear by a cyber criminal.

Cybersmears, how to recognize them and deal with them.

2005-05-02T16:14:00.000-05:00

Adolph Hitler said, “The longer you tell a lie, the more people will believe it.”

Our Cybersmear enemies know this strategy well, and they will use the above tactics of “amplification and proliferation” to achieve it.

creditwrench-thetruth.com

Now everybody can see what is going on and know that there is no credibility to it at all, only a cybersmear by a cyber criminal.

Understanding the debt collector's mentality

2005-05-01T20:44:00.000-05:00

Coping with debt collection psychos

As many as one in 100 adults in the average workplace is a psychopath, according to the forthcoming "Snakes in Suits: When Psychopaths Go to Work" by Robert D. Hare, Ph.D., professor emeritus in psychology at the University of British Columbia in Vancouver, Canada, and Paul Babiak, Ph.D., a New York-based industrial-organizational psychologist. Not surprisingly, psychopaths comprise as much as a quarter of the prison population. They obviously comprise most of the debt collection agency work force. Their innate lust for thrills and lack of conscience can exact great damage on unsuspecting consumers.

If you are deeply in debt you are going to have to find a way to work with (or around) that person harassing you in order to hang onto your own sanity. It helps to cope when you know a little about what makes a debt collector tick.

Practical demon-keeping
Most debt collectors are psychopaths and know the difference between right and wrong, but they think it's amusing that you and I differentiate it. They don't see a separation between what's mine and what's yours; what I own is theirs. They don't see my ownership of property or even my life as something valuable that they need to respect.

According to psychiatrists, psychopaths share this laundry list of abnormalities:

* lack of remorse or empathy
* shallow emotions
* manipulativeness
* lying
* egocentricity
* glibness
* low frustration tolerance
* episodic relationships
* parasitic lifestyle
* persistent violation of social norms

Pedophiles and serial killers only represent the extreme end of the spectrum. Many psychos actually excel in the business environment, where charm and self-confidence easily mask their duplicitous nature.

Some debt collectors are high in personality aspects, meaning they had characteristic psychopathic features, but they weren't overly violent or antisocial. Which kind of makes sense because they have been successful in business. When they present antisocial behavior, it was dressing down someone in public or backstabbing behavior. Dr. Bob Hare calls them 'subcriminal psychopaths.'"

David L. Weiner, chairman and CEO of Marketing Support Inc., a Chicago-based brand agency, has even known a CEO or two who fit the characteristics he examines in his book, "Power Freaks."

He recalls one top exec who wore a bulletproof vest, kept a gun handy and disinherited his son with a one-paragraph letter because he was offended by something his erstwhile heir said. "You thought, talking to him, that you were in the asylum," Weiner recalls.

Weiner says a corporate culture that turns a blind eye to aggressive one-upmanship is a perfect breeding ground for psychopathic bullies. What better description fits debt collectors such as our freaky "Cartman" aka "Uncle Normie"

There are two ways to become a bully; either you're a psychopath or you mimic psychopathic traits. You have no feelings of shame or guilt; you're basically uninhibited. And you're a bit of sadist, so you're aggressive. You sort of get a high out of bullying people. That description obviously fits "Cartman" like a glove.

There's an important clinical difference between the psychopath and the garden-variety bully.

Studies indicate that bullies are actually inept people who are not talented, maybe have a rage against themselves that they express outward toward people they see as being better than they are. It's from a point of weakness that they express their violence toward others. They need the audience, yet once again perfectly describing our obviously psychopathic cartman and indeed most debt collectors.

The psychopath operates from a point of strength or self perceived strength. He or she is playing the game themselves and they don't need an audience. If you don't play, they will move on toward the next one. There is no investment in you as a piece on the chessboard, where with a bully, there is some sort of relationship there. In the instant case, the relationship is that I shed light on the escapades of the debt collection industry and the psychos who infest it. Normie hates that and does all that he can to discredit even if it means lies and extreme twisting of the truth.

A psychopath can easily convince you they're competent because they are very good liars.

Can a psychopath change his or her ways?

Yes, through some psychotherapy and anger management they can come to the point where they realize that the hurt they do to other people is not a nice thing. "But group therapy tends to make psychopaths better psychopaths because it gives them more behaviors to use to camouflage themselves."

Do psychos actually make it to the top? I would have to say yes because they can usually outwit, outplay and outlast everybody. Can the current psychopathic liar outlast and outwit anyone? No, of course not. Not even with the power of the "world's #1 ranked" blog to hypothetically lend some seeming modicum of sophistry to his rants.

So when you call him and his brethern crazy you are probably right on the money. In the instant case, cartman is proving it beyond a shadow of a doubt.

Debt collectors and how to deal with them.

2005-03-31T07:34:00.000-06:00

So you’ve screwed up. You’re drowning in debt. Maybe the credit card was burning a hole in your pocket and you just had to get the HDTV. Or maybe you or a family member had a medical emergency while you we laid off. It doesn’t matter to your creditors; they lent you the money and now they want it back.

The lender will try to work with you for a while and its best to try to negotiate with them at this stage. If you can’t work something out or just don’t pay, they will send your file to either an in-house bill collector or, more commonly to an outside agency.

Bill collectors are a slimey bunch. They have heard all the sob stories and aren’t interested in yours. They mostly get paid on commission, so they just want to get money out of you and move on.

There aren’t many laws to get you off the hook as far as the debt goes. But there are laws that prevent harassment and abuse by bill collectors. Debt collectors tend to try to ignore these laws, but if you know your rights and insist on them, at the very least you might be able to collect damages if the bill collector persists in ignoring them. If they take you to court you may be able to use their violations of the law against them.

The major law protecting you is the Federal Fair Debt Collection Practices Act. Twenty Three states have their own versions of this law.

The law does not prevent a bill collector from contacting you, but it must be at convenient times. Contact can’t be before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if you tell him that your employer disapproves of such contacts.

Some so called credit repair specialists will try to tell you that if you don’t want to be harassed, get the name, address and telephone number of the bill collector. Then send a certified letter, return receipt requested telling the collector to leave you alone. Once the collector receives your letter, he can not contact you again, except to say there will be no further contact or to notify you that the bill collector or the creditor intends to take some specific action against you, such as sue you or report your delinquency to a credit bureau. While the above is true enough , the specific action will most likely be in the form of a lawsuit against you. That is most assuredly not the action you hoped for when you followed that dumb advice.

The bill collector can contact friends, relatives or neighbors, but just to find out where you are. They are not supposed to be spreading the word that you’re past due on your debts.

Within five days of first contact, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money. You have 30 days to dispute the debt, in writing (certified mail RRR again). The bill collector is then not allowed any other contact with you until he is able to send you proof of your debt.

According to the Federal Trade Commission (FTC) the agency charged with enforcing the Fair Debt Collection Practices Act:

Debt collectors may not:

• use threats of violence or harm;
• publish a list of consumers who refuse to pay their debts (except to a credit bureau);
• use obscene or profane language; or
• repeatedly use the telephone to annoy someone.

Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:

• falsely imply that they are attorneys or government representatives;
• falsely imply that you have committed a crime;
• falsely represent that they operate or work for a credit bureau;
• misrepresent the amount of your debt;
• indicate that papers being sent to you are legal forms when they are not; or
• indicate that papers being sent to you are not legal forms when they are.
Debt collectors also may not state that:
• you will be arrested if you do not pay your debt;
• they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
• actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.
Debt collectors may not:
• give false credit information about you to anyone, including a credit bureau;
• send you anything that looks like an official document from a court or government agency when it is not; or
• use a false name.

Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:

• collect any amount greater than your debt, unless your state law permits such a charge;
• deposit a post-dated check prematurely;
• use deception to make you accept collect calls or pay for telegrams;
• take or threaten to take your property unless this can be done legally; or
• contact you by postcard.

However, as I said before, a lot of debt collectors will ignore this law whenever they can. So it is very important that you build a case against harassing debt collectors.

Send repeated certified letters outlining what they said or did.

Tape the phone conversations. Tell the collector you’re doing so. If he continues to talk, he’s considered to have consented to the taping.

If you contest the debt, ask that you be sent proof of it in writing. In many cases, neither the creditor nor the collector can produce this.

Check your credit report and, if you see false entries, contest them right away.

If you do owe the debt, negotiate calmly and in good faith. Because it gives you more time to think, I would try to carry out all negotiations in writing or hire an attorney to do them for you. This will also give you a paper trail if you have to proceed in court.

Do not be bullied into rushing into an agreement and do not make any payments unless the agreement is in writing.

For example, if the bill collector agrees to take half of the amount you owe as full payment and report the debt paid to the credit bureaus, get it in writing. If the collector won’t send you a letter, send him a certified letter accurately stating all the terms of your agreement.

It is not unknown for bill collectors to settle the case with a debtor and then sell the rest of the debt to another collection agency, which will try to collect the unpaid balance. This is why it is very important to have a paper trail.

If you have old debts that have apparently gone away, beware of the "zombie" bill collectors. They are buying unpaid debts for pennies per hundred of dollars of debt and then trying to harass debtors to pay. Even if they only get a few dollars, they make money.

Another bit of bad advice to be found on internet message boards such as ART OF CREDIT and Creditnet is the following.
The problem is that in many cases the statute of limitations on collecting the debt is run. If you make a payment, you can reopen the statute, the debt can be reported to credit bureaus as freshly delinquent and you can open yourself up to all sorts of problems. Sometimes even saying the wrong thing to one of these guys can be considered an acknowledgement of the debt, allowing them to reopen the statute of limitations.

Under the laws of most states the only way to reset the statute of limitations is for the consumer to bring the account current and the creditor reinstates the account to good standing. Making a payment to a debt collector will not reset the statute of limitations nor allow them to reage the debt on your credit reports. Nothing you can say to a debt collector can be considered as acknowledgement of the debt nor can it reset the statute of limitations. When you find a message board that gives any such bad advice you should avoid it like the plague because you will most likely get stung with more such bad advice. The best message board with the best advice is the creditwrench message board.

If you have any old unpaid debt become familiar with the statute of limitations, generally 4 to 6 years, in the state where you live now and, if applicable, in the states you lived in when you ran up the debt.

Here is more bad advice to be found on many message boards. They tell you not to talk to debt collectors. They tell you that you should just hang up on them. That will get you nowhere indeed. While you should never call them, you should also not use your caller ID to avoid talking to them. If you deliberately avoid talking to debt collectors you miss a golden opportunity to catch them breaking the law and the fact of their breaking the law can be used against them in court.

The Fair Debt Collection Practices Act is rather vigorously enforced by the FTC and state attorney generals. Make complaints to both if you feel you being unfairly treated.

Also you have a private right of action against the debt collectors. You can sue a bill collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. Court costs and attorney's fees also can be recovered. If you need a lawyer referral, go to National Association of Consumer Advocates website. NACA

Making debt collectors play fair.

2005-03-20T09:00:00.000-06:00

Making debt collectors play fair

The Fair Debt Collection Practices Act was passed in 1977 to protect consumers from abusive debt collectors. Here's a closer look at the rules a third-party debt collector must follow when collecting a debt.

Contacting a debtor. A collector may contact you in person, by mail, telephone, telegram or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.

Contacting a third party about your debt. If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people but only to find out where you live, what your phone number is and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.

Giving written notice. Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe, the name of the creditor to whom you owe the money and what action to take if you believe you do not owe the money.

When a consumer doesn't owe the money. A collector may not contact you if within 30 days after you receive the written notice you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.

No harassment.
Debt collectors may not harass, oppress or abuse you or any third party they contact.

Debt collectors may not:

* Threaten violence or harm.

* Use obscene or profane language.

* Repeatedly use the telephone to annoy someone.

No lying.
Debt collectors may not use any false or misleading statements when collecting a debt.

Debt collectors may not:

* Falsely imply that they are attorneys or government representatives.

* Falsely imply that you have committed a crime.

* Falsely represent that they operate or work for a credit bureau.

* Misrepresent the amount of your debt.

* Give false credit information about you to anyone, including a credit bureau.

* Send you anything that looks like an official document from a court or government agency when it is not.

* Use a false name.

Debt collectors may not state that:

* You will be arrested if you do not pay your debt.

* They will seize, garnish, attach or sell your property or wages unless the collection agency or creditor intends to do so and it is legal to do so.

* Actions, such as a lawsuit, will be taken against you when such action legally may not be taken or when they do not intend to take such action.

Looking for a better credit card? Check rates in your area.

No unfair practices.
A debt collector may not engage in unfair practices when they try to collect a debt from you.

Debt collectors may not:

* Collect any amount greater than your debt, unless your state law permits such a charge.

* Deposit a postdated check prematurely.

* Use deception to make you accept collect calls or pay for telegrams.

* Take or threaten to take your property unless this can be done legally.

Internet scams

2005-03-18T06:57:00.000-06:00

Email Scam Uses The Late Sir Denis Thatcher

Proving once again that spammers have little to no conscience, a scam email has been circulating using the death of former British Prime-Minister Margaret Thatcher's late husband, Sir Denis Thatcher, for an identity theft scheme.

Recipients of the fake mailing are told they may be a beneficiary in Sir Denis' last will and testament. According to Sophos

The email, which claims to come from the attorneys of former UK Prime Minister Margaret Thatcher's late husband, claims that the recipient will receive £950,000 in compensation for work they have done helping the less privileged. The email claims that Sir Denis Thatcher collected the money during his long and successful career in business.

In order to obtain the inheritance, recipients are asked to provide personal information such as documents of identification, address, telephone and fax numbers, in accordance with the British government's inheritance law. This latest scam-mailing attempt further illustrates that the majority of scam mailers are despicable individuals who will not shy away from using any disaster, personal or otherwise, to dupe citizens of out identity information, money, or anything they don't want to work for.

Graham Cluley concurs by saying:

"Scammers are constantly trying to dupe computer users into divulging sensitive information with the promise of big money. Using the late Sir Denis Thatcher's name is a sick trick designed to entice the unwary into falling for the scam."

However dreams of big money are not the only motive for scammers to put in their appearances on the internet. There are many other reasons often times not so easily discerned. One example of an outrageous scammer in operation is a fool who often goes by many different screen names such as "Uncle Normie", "Enormis Debtor", "E. Normis" and many other variations of those names. "Normie" is an imbecile who for what ever sick reason goes about the internet setting up blogs and webpages which are spoofs of those owned and operated by reputable business people whom he hopes to discredit. He then uses proxy servers to hide his true IP address and spams all the newsgroups with fake messages which purport to have originated from the company he is trying to discredit.

Beware of this loony criminal and if you see any of his fake messages just ignore them and move on. His spam messages will always refer to a blog he maintains called creditwrench-thetruth but is full of nothing but falsehoods and misinformation.

Here is something to take our attention off of the problems for a few moments. The link below will bring up a powerpoint presentation that shows some

2005-03-17T13:13:00.000-06:00

Here is something to take our attention off of the problems for a few moments. The link below will bring up a powerpoint presentation that shows some really wierd stuff that has happened in Iraq and elsewhere.

Shows tanks and other artillery being fired and a huge puff of smoke coming off their muzzles that look a lot like they might be firing nuclear stuff. Small mushroom shaped smoke clouds.

Other scenes show aircraft accidents and near accidents. One shows a navy plane that landed on a carrier and one of the missles apparently fired or came loose and went skidding down the flight deck. Another shows a big cargo plane that was coming in to land right on top of a bunch of soldiers repairing the runway.

Another shows a fighter plane that somehow landed on top of a police car.

The photos are really awesome color. STUFF YOU WONT SEE ON CNN

Thanks for the file Robin.

Oklahoma Lottery legislation

2005-03-16T19:03:00.000-06:00

Contact: Ray Carter, House Media
Capitol: (405) 557-7421

Contact: State Rep. Thad Balkman
Capitol: (405) 557-7386
District: (405) 447-4988

House Approves "Truth in Advertising" for Lottery

OKLAHOMA CITY (March 16) - State lawmakers supported legislation this
week that requires "truth in advertising" when officials promote the new
state lottery.
 House Bill 1431, by State Rep. Thad Balkman, would bar the use
of actors to portray lottery winners in advertisements and requires a
"statement warning of the harmful effects of playing the lottery" in all
lottery ads.
 "This bill simply requires full disclosure whenever the state
promotes lottery games," said Balkman, R-Norman. "In other states,
advertising often gives the impression that winning is not only
possible, but probable, and they use that false promise to convince
low-income people to squander their money.
 "The truth is you're not going to win the lottery and ads should
admit it upfront. If you know you have no chance of winning and you
still choose to play, that's your decision, but you shouldn't be tricked
into buying tickets by misleading advertising."
 House Bill 1431 requires the Oklahoma Lottery Commission to
"disclose the odds of winning with respect to each lottery game by
stating the odds in lottery game advertisements or by posting the odds
at each place in which lottery tickets are sold by a lottery retailer."
 Lottery ads would also include a toll-free hot-line number for
problem and compulsive gamblers if the bill becomes law.
 The measure also requires the Oklahoma Lottery Commission to
prepare an annual report stating the total number of tickets sold, the
amount of revenue generated from the sale of such tickets, and the
number and amounts of prizes awarded in the game, with the report made
available for public inspection.
 Balkman noted that the bill also provides a stable funding
source for treating problem gamblers.
 When voters approved lottery and casino gaming questions last
November, those two state questions created a duplication of government
services, Balkman said.  The lottery question designated the Oklahoma
Department of Mental Health & Substance Abuse Services as the entity
that would handle treatment efforts, while the casino question
designated the state Department of Human Services as the agency to
provide gambling addiction services. 
 "My bill, reflecting an agreement between the two agencies,
makes the Department of Mental Health and Substance Abuse Services the
sole agency overseeing gambling addiction treatment," Balkman said. "It
also states that the funding source for treatment will be the Lottery
Commission instead of unclaimed prize money."
 Gambling addiction programs at the Department of Mental Health
and Substance Abuse Services would receive $500,000 per year from the
Oklahoma Lottery Commission if the bill becomes law.
 In addition to the $500,000, the bill would require that an
amount equal to 1 percent of annual lottery advertising expenditures be
provided to the agency for the treatment of compulsive gamblers.
 House Bill 1431 passed the Oklahoma House of Representatives on
a 98-0 vote. The bill now heads to the Oklahoma Senate.
-30-

Windows Media player on your system?

2005-03-15T19:16:00.000-06:00

I just wonder if a certain pooch I know about has Windows Media Player on his system?

If so he is a dead duck.

I just wonder if Normie has Windows Media Player on his system? If so he is already a dead duck. Take a look at this.

This is something really nasty in the XP filing system... it's in Windows Media Player, and it not only has all the information about Digital Rights Management, it also has all the information about your local police force..... QED... Not only is microsoft spying on you, they are also telling the cops what you have got on your system....

This is part of the sequence of this file, if you have media player, and do a search for these individual words... you will find it...

DrmDescription
DrmLicense
classification
description
microsoft border
postcode
microsoft theme
created
pics-label
title
expires
law_association_area
originator
dc.language
dc.date.modified

Debt collector jailed in Idaho

2005-03-14T16:14:00.000-06:00

Suspect had gun, badge and uniform

SANDPOINT -- A debt collector from Sagle was arrested Tuesday for allegedly impersonating a police officer to try to persuade a woman to square up on a loan.

Jerry W. Hildeman is charged with unlawfully exercising the duties of a law officer, a felony. Hildeman made an initial court appearance Wednesday via video feed from the Bonner County Jail.

Judge Justin Julian sustained Hildeman's $10,000 bail and appointed a public defender to represent him. A hearing is pending to determine if a district court trial is justified.

If convicted as charged, Hildeman could be imprisoned for two to five years.

Hildeman, 53, was wearing a uniform similar to the ones used by Sheriff's deputies and had a duty belt that contained a sidearm, handcuffs and a radio, according to charging papers.

Hildeman also threatened that he had the "the authority to take her in," the complaint alleged.

The arrest report said Hildeman also had a badge that read "Special Officer Bonner County" and had a seal on it that resembled the state of Idaho's.

Hildeman was arrested early Tuesday evening, after a Center Valley Road resident phoned dispatch to say the suspect was pounding on her front door and shining his flashlight through her windows. She alleged Hildeman was attempting to lure her outside by saying he had paperwork for her to sign.

The 52-year-old woman told deputies Hildeman had first come to her home in uniform in February. She said Hildeman threatened to arrest her unless she made a payment on a loan she had with the Money Depot.

After the first incident, the alleged victim verified through dispatch that Hildeman was not a law officer. She could not recall Hildeman ever saying he was a law officer, but said the suspect implied he was because he threatened to arrest her and was dressed as a law officer, the arrest report said.

Hildeman later met with Deputy Chrystle Osborn at the Schweitzer Sand Creek Conoco, where he told her the alleged victim was lying about what had happened that night. Hildeman insisted he had not threatened the woman, according to the arrest report.

2005-03-13T16:42:00.000-06:00

Speaker Todd Hiett
Oklahoma House of Representatives

Hiett Announces Advancement of House GOP Healthcare Reform Measures

OKLAHOMA CITY (March 8, 2005) - All three pillars of the comprehensive
health care reform agenda unveiled last week by Speaker of the Oklahoma
House Todd Hiett have unanimously passed out of committee and are set to
be heard on the House floor.

"This is a very reassuring sign that the House is committed to offering
Oklahomans more choices and more control over their individual health
care packages," said Hiett, R-Kellyville. "As we embrace competition in
the health care industry, we will see lowering health care costs."

The announcement came as House Bill 1848, by Rep. Kris Steele, and House
Bill 1411, by Rep. Doug Cox, both passed unanimously out of the House
Appropriations and Budget Committee yesterday.

The third pillar of Hiett's agenda, House Bill 1853, also by Steele,
passed unanimously out of the House Health and Human Services Committee
March 1.

Steele, R-Shawnee, is chairman of the Health and Human Services
Committee. Cox, R-Grove, who has been a practicing physician for over 20
years, is vice chairman of the committee.

HB 1853, the Rx for Oklahoma Act, would provide a statewide program
offering free help to people to receive free or discounted prescription
drugs.

Based on the successful Prescription Assistance program in Norman, the
Rx for Oklahoma Act will provide funding to the state Department of
Commerce to establish various access points for the expanded program,
including community action agencies, county offices of the state
Department of Human Services, and county health departments.

HB 1848, the Health Savings Account Act, empowers individuals and
employers to establish Health Savings Accounts in Oklahoma. These
accounts allow individuals (or employers on behalf of their employees)
who purchase a high deductible insurance policy to deposit and expend
cash free from Oklahoma income tax for qualified medical expenses.

The amount that may be contributed and spent is the lower of 100 percent
of the deductible (which must be at least $1,000 for individuals and
$2,000 for families) or $2,600 for an individual or $5,150 for a family.

Hiett said the measure offers a powerful alternative to traditional
health insurance.

HB 1411 provides more clinicians for rural communities. Rural areas of
Oklahoma face a continuing health care personnel shortage - with fewer
doctors and other clinicians available each year.

The measure requires the Physician Manpower Training Commission to
expand the benefits for its Rural Medical Education Loan and Scholarship
program to students preparing to become Physician Assistants.

Right now, the program only applies to students preparing to become
physicians. The loan program provides qualified individuals with
demonstrated financial need who commit to practice their profession in a
rural town one year's scholarship (up to $15,000) for each year they
practice in the rural area. They must practice for at least two years.

Hiett has said the three major proposals for health care reform only
present a part of the solution. He also emphasized the importance of
legislation reforming Oklahoma's workers' compensation system (HB 2046),
as well as a comprehensive plan to offer lawsuit reform (HB 2047 -
Justice & Common Sense Act). HB 2046 passed the House last week, while
HB 2047 has passed out of committee.

-30-

And the truth shall set ye free

2005-03-12T20:31:00.000-06:00

Hydraulis

Joined: October 14 2004
Location: United States
Online Status: Offline
Posts: 744

Posted: March 08 2005 at 3:22am \| IP Logged

... my friend I was out to eat with. We were celebrating his departure from Cavalry and his starting a new job doing student loan collections.

We were in a notorious police/politician bar.. and they beat his face until I couldnt recognize it. I am covered in his blood and the fu**ing police wouldn't listen to my statement.

__________________
It's just inherent in a collectors character to break laws, then turn around and harp on their victims morality. - E Normis Debtor

Hydraulis
Expert Member

Joined: October 14 2004
Location: United States
Online Status: Offline
Posts: 744

Posted: March 11 2005 at 1:57am \| IP Logged

Thats where the original threat against me from "Dr Tax" came from. The one that said they got my info from Derek.

This IP address: 216.161.190.158

What an internet pussy.

thank you melissadata.com

Hydraulis
Expert Member

Joined: October 14 2004
Location: United States
Online Status: Offline
Posts: 744

Posted: March 11 2005 at 1:42pm \| IP Logged

All very interesting though.. isnt' it? I mean, these companies that provide anonymous remailers.. they say they are only providing a service blah blah.. but they know damn well they are used to exchange kiddie porn pics and criminal threats and information.

I have never been to Arizona, but its no wonder all the psycho AoC people like LKH and SassyinAZ are from there.. its the ultimate debtor vs CA battleground. Medium statues, the only TRUE community property state... all this adds up to a tough-road-a-hoe for any of these rogue debtors trying to weasle out of obligations.

So they can't win fairly, they resort to this.

__________________
It's just inherent in a collectors character to break laws, then turn around and harp on their victims morality. - E Normis Debtor

Hydraulis
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Joined: October 14 2004
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Posts: 744
Posted: March 11 2005 at 5:56pm | IP Logged Report Post Quote Hydraulis

Hmmmm.. yeah, I'll give you a holler by monday..

I often do wonder what stormin' norman's motives are. His name implies he has lots of collections, then he says he's merely sticking up for the lil guy and he acts like its a big deal when he gets a collection letter.

I would be an insomniac too if I resorted to threatening people's parents in an effort to win online arguments.

Lets hope he adds incontinent, impotent and irrational to his laundry list of ailments as well.

A lil karma ne'er ert'!

__________________
It's just inherent in a collectors character to break laws, then turn around and harp on their victims morality. - E Normis Debtor

E. Normis
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Joined: October 12 2004
Location: United States
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Posts: 652

Posted: March 11 2005 at 6:35pm \| IP Logged

Sorry, couldn't resist.

Hydraulis wrote:

he's such an internet pussy, hiding behind his little keyboard.

This coming from someone who would stand idly by and watch a friend pummeled into oblivion without so much as an attempt to intervene or strike a few retaliatory blows. Such a manly man.

Hydraulis wrote:

Actually, I'm a lil scared what I'd do if I did get it.

No doubt. See above, real life pussy.

Edited by E. Normis on March 11 2005 at 6:43pm

__________________
If you are my friend and we find ourselves in a bar room brawl, though I may not defend you, rest assured I will write letters...Matt

Hydraulis
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Joined: October 14 2004
Location: United States
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Posted: March 12 2005 at 2:55pm \| IP Logged

E. Normis wrote:

I was thinking more along the lines of bouncing a bar stool off someone's head.

A wise man once said:

"Only Fools Rush In"

So because I consider you neither wise nor a

man, I don't expect you to understand that it woulda

been me versus a whole bar full of cops and the cops'

friends. There is about autographed 30 police cruiser

doors hanging from the ceiling as decoration,

perhaps I coulda used one of them?

__________________
It's just inherent in a collectors character to break laws, then turn around and harp on their victims morality. - E Normis Debtor

E. Normis
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Posted: March 12 2005 at 3:22pm \| IP Logged

Hydraulis wrote:

it woulda been me versus a whole bar full of cops

Then I apologize Stiff; you made the right choice. Much better it was just your friend against the whole bar than both of you.

Afterall, a coward dies a thousand deaths,

a brave man dies but once.

You're such a manly man.

Edited by E. Normis on March 12 2005 at 5:13pm

__________________
If you are my friend and we find ourselves in a bar room brawl, though I may not defend you, rest assured I will write letters...Matt

Creditwrench
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Posted: March 12 2005 at 7:27pm \| IP Logged

E. Normis wrote:

Hydraulis wrote:

it woulda been me versus a whole bar full of cops

Then I apologize Stiff; you made the right choice. Much better it was just your friend against the whole bar than both of you.

Afterall, a coward dies a thousand deaths,

a brave man dies but once.

You're such a manly man.

Nice put down Normie.

Or was it because due to your Enorims ignorance you never learned that there are those times when cowardice is the better part of valor?

Obviously you are so stupid that you don't understand the concept that he who has sense enough to retreat in the face of an overwhelming force lives to fight yet another day.

You prove the truth of that by failure to take down your useless go-nowhere do-nothing blog in the face of the overwhelming creditwrench forces against you.

Your infantile boasting about "immense pressure" being the reason that I often post jokes or material on my blog is simply because your silly tirades are not worth even paying any attention to.

But slamming Hydraulis the way you have ought to just about cook your little goose around here but either way people wanting to know the real truth about Normie will be sure to learn it here.

2005-03-10T21:37:00.000-06:00

Oklahoma House of Representatives
State Capitol, Suite B-25

House Passes Bill Making Harassment By Internet, Text Messaging a
Criminal Act

OKLAHOMA CITY (March 10) -- Under legislation recently approved
by the House, Oklahoma's law enforcement agencies would have another
tool to stop threatening behavior before it escalates into a violent or
deadly crime.
House Bill 1804, would make it illegal to use any electronic or telecommunication device to terrorize or harass another individual. "This bill expands current harassment laws to make clear that not only are harassing telephone calls illegal, but so are harassing e-mails, faxes, and text messaging,"
This legislation was requested by an Oklahoma County assistant district attorney.

Under existing state law, it is illegal to use a telephone and
select communication devices to threaten someone with physical harm or
death, or to use the devices to make obscene or indecent calls. Under HB
1804, those acts would also be illegal if committed through the use of
modern communication devices such as pagers, cellular or wireless
telephones, wire, cable, radio, fax and the Internet, including
electronic messages and instant messages.
Furthermore, it would be illegal to use any of those forms of
communication if the intent is "to terrify, intimidate or harass, or
threaten to inflict injury or physical harm to any person or property of
that person."
Any telecommunication or electronic communication that transmits
"signs, signals, data, writings, images and sounds or intelligence of
any nature"... or that distributes "images, text, voice, video or data
by wire, cable or wireless means" would be included under the bill.

"This legislation will enhance the safety of many Oklahomans,"
Cargill said. The House approved HB 1804 on a 97-0 vote; it will next be
considered by the state Senate.

-30-

and the truth shall set ye free

2005-03-10T14:41:00.000-06:00

You snorting the bottle again Normie?

Spouting off some nonsense about immense pressure it seems that Normie enjoys my jokes too much so here is a bit more serious reading for him.

CONTACT:
Damon Gardenhire
Press Secretary
Speaker Todd Hiett
Oklahoma House of Reps.
Capitol: (405) 962.7679
gardenhire@okhouse.gov

Justice & Common Sense Act Passes Full House:
Measure to Stop Junk Lawsuits Now Heads to State Senate

OKLAHOMA CITY (March 9, 2005) - The full Oklahoma House today
passed a ground-breaking lawsuit reform effort, approving a
comprehensive measure that will help boost the state's economy while
also stopping trial lawyers from abusing Oklahoma's legal system.

Lawmakers passed House Bill 2047, the Justice & Common Sense Act
of 2005 by a vote of 62 to 38 The bill now moves to the State Senate for
action.

"Working Oklahomans lose when jackpot justice and junk lawsuits
clog our courts," said Speaker Todd Hiett (R-Kellyville), the author of
the measure. "Though some good lawyers are trying to do what's right,
too many trial lawyers have become the new robber barons of the 21st
century. They're willing to abuse our legal system to line their own
pockets. We're going to put a stop that."

"This measure brings common sense back to Oklahoma courtrooms,"
said Rep. Fred Morgan (R-Oklahoma City), who is also an attorney.
"People from all walks of life increasingly fear they could be the next
target of a frivolous lawsuit. The people deserve a fair system.
Frivolous lawsuits are preventing justice, and they're hurting every
Oklahoman."

The Justice & Common Sense Act aims to create a stronger
economic climate in Oklahoma, by reducing the harmful impact of lawsuit
abuse. Hiett and Morgan pointed out that last year, a watered-down bill
was signed into law by Governor Henry.

Hiett said junk lawsuits hurt Oklahoma by ruining the lives of
innocent people, by making health care more expensive, by preventing job
growth and by levying a hidden tax on citizens.

"Lawsuits are like weapons, and they should only be used as a
last resort," said Hiett. "Today we're all paying for lawsuit abuse. It
hits us all in the pocketbook, and prevents economic growth in our
state."

To stop this systemic abuse, to allow good lawyers to take back
their profession and to accelerate Oklahoma's economy, Hiett says the
Justice & Common Sense Act of 2005 will tackle four major areas of
reform:

Quick and Fair Compensation for Injured People: The Justice and
Common Sense Act of 2005 will make it easier for injured people
(plaintiffs) and defendants with strong cases to win on summary
judgment, rather than going through the painful, expensive and difficult
process of a trial.

Cleaning Up Class Action: An important and legitimate part of Oklahoma's
legal system, class action suits in recent years have unfortunately
turned into a shakedown racket for some trial lawyers. In one recent
case against Jiffy Lube, attorneys collected millions in fees while the
clients got coupons for car service. Cleaning up class action will
address two areas.
* If clients get coupons, the lawyers get coupons.
* Limit "contingency" fees: Lawyers will be paid for the hours
they actually work, just like everyone else in Oklahoma.

Reduce Health Care Costs for Hardworking Oklahomans:
* Putting limits on non-economic damages - Money for pain and
suffering should be set at common sense levels. Right now, the system is
too often abused, hurting both injured people and defendants.
* Greater freedom for doctors to give free care to disadvantaged
and indigent Oklahomans: Doctors will be able to provide charity care
without worrying about insurance.

Common Sense Protection for Business Owners:
* Lawyers sue businesses that make products that have already been
approved by the federal government as safe. This will end under the new
system.
* Choice-based products which everyone knows can be harmful - such
as fast food - should not be subject to lawsuits.

-30-

Thought you were cute, didn't you Normie? I told you I would find out anything you posted anywhere any time and within only a few minutes after you did it. Want the proof? Here it is.

To whom it may concern:

Just thought you should be aware that CREDITWRENCH CEO Bill Bauer today copied and pasted your website to his blog http://creditwrench-the-truth.blogspot.com claiming it as part of his "advanced" credit repair technique.

Advanced Credit Repair Technique? No, and what are you blathering about copied stuff? You must be talking about the Newsweek magazine cover you filched and put on your junk pile.

The Newsweek Magazine legal department got notified about that little trick of yours by phone the hot second you put it up on your junk pile and they aren't happy about it. Get a life you dumb jackass.

Hundreds of newsgroups have your spamming efforts. Yeah Sure. You are nothing but a fucking criminal.

And the truth shall set ye free

2005-03-07T11:53:00.000-06:00

Building on his efforts to end the Patriot Penalty, U.S. Senator Evan Bayh today offered an amendment to protect military families facing bankruptcy as a result of financial hardship connected to active duty service. An increasing number of military families are facing economic difficulties ranging from an inability to pay grocery bills to outright bankruptcy as active duty tours last longer than any in the past 50 years. Bayh discussed the legislation, which will be offered as an amendment to the Bankruptcy Reform Act, with Senators Durbin (D-IL) and Landrieu (D-LA) at a press conference today.

A few days later: Military bankruptcy exemption defeated

The truth shall set ye free

2005-03-06T17:00:00.000-06:00

Binding arbitration and the constitution

Binding arbitration and the Constitution
CREDITWRENCH has advised on his website that in order to counter an acceptance of a contract to include binding arbitration, one should right a letter that includes, among other things, the following:

"Your statement that if I do not comply with your demands to either accept or reject you will consider that I accept and that I will be forced to obey the terms of your supposed "Agreement" is totally illegal in that it violates my 5th Amendment right to remain silent on any matter".

CREDITWRENCH needs to read the US Constitution as this isn't his first mistake in his reference to it. Nowhere does the US Constituion state that one has a "right to remain silent on any matter."
The phrase "right to remain silent" is from a Supreme Court ruling in Miranda v. Arizona et al, and deals with confession of a criminal act during police interrogation. Courts have been consistent in their rulings that the self-incrimination protection extended by the 5th amendment relates to criminal matters. It has nothing to do with contract law.

CREDITWRENCH stating that the US Constitution gives the right to remain silent on any matter is false and misleading.

The Truth shall set ye free and here is the real truth of the matter, not the false and misleading information that Normie would like you to believe.

Thus, not only may a defendant or a witness in a criminal trial, including a juvenile proceeding, In re Gault, 387 U.S. 1, 42 -57 (1967), claim the privilege but so may a party or a witness in a civil court proceeding, McCarthy v. Arndstein.

Uncle Normie is nothing but a bullshit artist, a con man and a scumbag.

Now he is back to stealing works of art from another website and the other website is
sending him messages telling him he is not supposed to be linking to the graphics on that website. Does he care? Hell no. The criminal is doing it anyway and falsely claiming that I am plagerizing. Who would take the word of a common criminal?

And the truth shall set ye free

2005-03-05T16:44:00.000-06:00

Why the federal debt matters to you

The public debt is currently growing at nearly a billion dollars a day! That is thousands of dollars per second! It's nearly inconceivable. Try blinking your eyes. There went $5,000-$10,000.

It may seem as if the national debt is a nebulous topic with little impact on you, your family or your place of employment. You may have faith in the elected officials you have put into office to watch over just such issues. Many people feel that their one voice is too small to make any real difference. Not true.

Here is an example of how it affects you: About 25 cents out of every dollar of total tax revenue collected is immediately wolfed down by the hideous interest on the Federal debt. You don't "get" anything for the first 25% of your tax assessment. Picture a teen gone wild with the family credit card. It's all fun and games until the family struggles to keep up with minimum payments and the interest that keeps growing like some monster from an old "B" movie.

A substantial amount of money simply vanishes from constructive use. It cannot be re-invested in the economy in any way. You certainly cannot invest it to secure your future. No company will experience the opportunity to grow and create jobs because of your investment. You cannot spend it and thereby directly stimulate the economy. Twenty-five percent of your tax assessment is jettisoned into the black hole of Federal debt service.

Some of your neighbors and even some multi-national companies or foreign governments can be recipients of these interest payments. They may put these funds back into our economy by purchasing goods and services. But for the most part, a substantial portion of the average American family income is evaporating under the hot sun of the interest on this "family debt."

And on this farm we have some pigs. Ee I Ee I Oh. Their names are Duplicative, Outdated, and Wasteful. We can pen them up and keep them from running wild and taking over the farm and the entire neighborhood. By getting these three unruly critters under control, we can reduce the Federal debt! When that happens, everybody wins.

Bankruptcy bill likely to pass soon

2005-03-04T07:18:00.000-06:00

caveats on bankruptcy bill
Overhaul poised for OK after GOP prevails in 2 tallies

By Associated Press | March 3, 2005

WASHINGTON -- Senate Democrats were thwarted yesterday in attempts to soften the effect on seniors of a proposed law making it harder for people to erase their debts in bankruptcy.
ADVERTISEMENT

Mostly along party lines, the GOP-controlled Senate voted 59-40 to reject an amendment that would have allowed older people to get special homestead exemptions to keep their homes when they file for bankruptcy. Currently, such exemptions are determined by the states.

''Seniors are the people who need the exemption most," Senator Russ Feingold, Democrat of Wisconsin, said during debate.

In an identical vote tally, the Senate defeated a Democratic proposal to require that credit card statements show how long it would take the consumer to pay off his or her debt by making only the minimum monthly payment.

It was the second day of defeat for Democratic amendments to the sweeping bill to overhaul the bankruptcy code. On Tuesday, the Senate accepted a more limited GOP provision that would give a break to active-duty military personnel and some veterans who file for bankruptcy.

Click here for full story

The truth shall set ye free Part IX

2005-03-03T22:48:00.000-06:00

My name is Laura Alexander Schauss and I have been in cook county with a huge divorce matter the case came from rolling meadows and just part of the file was transferred and the lawyer then went judge shopping and found the great Morgan Hamilton that breaks all the state statues cannon laws denies me access to the court violates civil rights under the color of law and constitutional rights and i pay tax dollars for her to do this..??? Wow. she put my in jail under a false contempt charge made me pay for a ring that was my engagement ring the bracelet that I got from my husband during courtship and both items did not have a receipt totaling said dollar amount of 29 thousand dollars imagine that ooch..I wouldn't let that lady decide if my dog needed her nails clipped, I would think that she is under oath to abide by law not her when David yavitz is there she get to pardon herself from her oath on the bench. What would you do if this happen to you??I really need some help in this matter...

I hope that you will respond and I know it sounds so unreal that if it did not happen to me I would never beleive it....and ther is so many other things that has been done that I did not mention...

Creditwrench's first lesson for Uncle Normie. A .doc file This is not an executable file.

The truth shall set ye free Part VIII

2005-03-03T00:18:00.000-06:00

Posted: March 02 2005 at 5:14pm \| IP Logged

Now we have yet another example of Normie and his supposedly great
advice which as usual is nothing but more misinformation. Here is
his recent blooper on CI.com. Of course, he will be post some denial of the statement he made on his WMD (Weapon of Mass Deception) blog. He will claim he meant something entirely different but the truth that he does not know what applies to what or when cannot be denied.

Quote:

E. Normis Debtor

Senior Member

Posts: 579

Joined: Jun 2004

Quote
Originally posted by: janedoe

But I'm not going to lie - if I honestly knew that I could get out of my mess (refer to my first post about f-ing up royally) just by writing a few letters demanding validation, this that and the other then I would in a heartbeat.

Odd that you would show up out of the blue, but at the same time know about validation??

Also seems strange that you have no job or money but still have a phone and internet access.

Nonetheless, based on your other posting, you're dealing with payday lenders you owe money to who would be original creditors, not collection agencies, so validation wouldn't apply anyway.

Normie's claim to Search Engine fame is also false and misleading. One can boast and beat his chest all he wants but until he can prove that his blog has a good page ranking he is nothing. And nothing is the page rank he has. Doesn't exist. Yet the page ranking for this blog is shown below.

Uncle Normie's claim to fame is hilarious. He claims to have links that he don't have but links don't mean anything unless those links have what is known as link popularity and are properly done. He claims that he is going to bring in lots more big guns in his fights with Bill Bauer but he before he can actually do that he has to know what the big guns are and how to use them. One of the big guns is known as link popularity.

Since he obviously don't know what it is he also don't know how to build it and that is evidenced by the fact that he don't have any. And since Bauer started his blog at the same time Normie started his one would naturally think that if Normie knew anything about link popularity he would be trying to build some and in fact would already have some. Such is not the case but Bauer already has an impressive head start on Normie. Here is the link popularity table for Bauer's blog

Which proves that Uncle Normie is once again trying to blow smoke up your ass and nothing more. His blog is absolutely nothing but false and misleading.

And the truth shall set ye free Part VII

2005-03-02T01:43:00.000-06:00

CREDITWRENCH and false identities

UNCLE NORMIE AT HOME

CREDITWRENCH CEO Bill Bauer has been banned from almost every single message board on the internet that deals with the Fair Debt Collection Practices Act. There are numerous reasons for his being banned, but the main two are:

Normie imagines that he knows why I have been banned from so many boards but as usual has no idea what he is braying about. The real reason I have been banned from creditnet, artofcredit and others is that I always have to debunk the false and misleading information posted on them or expose their hero of the moment for the fraud that he is. The list of the frauds such as Normie, Lizard King, John Gliha. and many others that I have exposed is almost endless.

The imbecile is so goofed up that now matter how many times I tell him I do not do credit repair he keeps on braying about some supposed credit repair scam.

Since I do not do credit repair I always refer anyone not willing to do their own and needing or wanting to hire a credit repair firm to Quality Credit Services Inc.

To the best of my knowledge they are well qualified, licensed, bonded and all of that. At any rate they come well recomended by several people whom I know quite well. If I were indeed in the business of credit repair would I refer people to a credit repair company? Hardly. As always, the braying jackass gives nothing but false and misleading information. Uncle Normie would also like you to believe he knows all about

John Gliha.

Here is the truth about John Gliha and the enormous differences between John Gliha and Creditwrench.

Normie uses all manner of false screen names but complains bitterly when others do the same. About all that can be said of this criminal is that he must also be a fugitive from a funny farm.

That's not all. Then these fictional characters he invents, create other fictional characters, all pointed to one goal; praising the great braying jackass who calls himself Uncle Normie.

A classic example of this is his alter ego he calls ISO more credit and other equally stupid screen names. I was the first to identify this fictional creation as none other than Uncle Normie. Others then came along and offered addtional proof to support my suspicions.

What we have here is a classic case of a paranoid schizophrenic who is also a prevaricator. Classic example of a sick mind. We can also see what some professionals think of his so called information.

collectorp
New Member

Joined: January 15 2005
Online Status: Offline
Posts: 4

Posted: January 16 2005 at 1:06am \| IP Logged

this was a fictional post and i wanted to see what kind of advice someone can expect from a forum such as this. E. Normis you gave out false information and maybe you should look at yourself more carefully.

The truth shall set ye free Part VI

2005-03-01T14:26:00.000-06:00

Normie sets the pace for hypocrisy

once again.

CREDITWRENCH never supports his claims
CREDITWRENCH CEO Bill Bauer makes a lot of claims, but never seems to be able to support them.

On his blog he brays about anything and everything but supports his claims with nothing at all. No valid links, nothing. Now he has run out of steam so he starts going back over the same old brayings all over again, never mind that he lost another pool on the pcmholdings forum this morning. Be that as it may, a poster revealed much truth about Normie and his incessant brayings today. Here are some of them.

Poll Question: Who is victorious in this, the first bout of what would be MANY
Poll Choice	Votes	Poll Statistics
E Normis	0	[0.00%]
Wrench	2	[100.00%]
Neither	0	[0.00%]
You have already voted in this poll

Author

Message

<<> |

Hydraulis
Expert Member

Joined: October 14 2004
Location: United States
Online Status: Offline
Posts: 661

Posted: February 28 2005 at 6:12pm \| IP Logged

On July 10th, E. Normis Debtor wrote:

If a creditor had me served at my POE after my telling them they were not to contact me there, I would include that violation in my countersuit. A summons is considered communication from a debt collector by the courts in my state. In fact, the mini miranda is pre-printed on the court supplied small claims filing form.

On July 10th Creditwrench wrote:

All I have to say is that yes, courts do seem to be getting a bit stickier on the point of compliance with FDCPA in legal proceedings in some states. However I've never heard of any jurisdiction that ever ruled that a process server or sheriff serving legal papers of any kind at a place of employment would be considered as a violation of any law.

Maybe I'm just behind on information on that point however

On July 12th 2004, E. Normis Debtor wrote:

I've filed suit on matters with even less merit than this and received out of court settlements. You collect your way, I collect mine.

On July 12th Creditwrench wrote:

Additionally, FDCPA specifically states that a violation is not a legitimate defense to a motion for summary judgment.

E. Normis Debtor wrote:

Wrench, you really have some problems understanding basic legal procedures. A countersuit isn't a defence, it's a separate cause of action. And you're also wrong again on what the FDCPA states.

[Quote=Creditwrench] Additionally, FDCPA specifically states that a violation is not a legitimate defense to a motion for summary judgment.[/quote]

[Quote=E. Normis Debtor]

Filing a countersuit suit is a long way from winning a suit. One of the things it does, however, is allow you to bury their attorney in paperwork and run up their costs, making an out of court settlement more likely. The state I live in limits attorney fees to 15% of the underlying debt that they are suing for. So if they file suit on a $2000 debt and prevail, the most they can get for attorney fees is $300. They'll eat up more than the original debt in attorney fees just answering discovery motions.
[/quote]

Creditwrench wrote:

Most states are that nice to their debtors. The general rule of thumb is that attorney fees should not run more than 1/3 of the claimed indebtedness and the courts usually like to see them coming in at more like 20 to 25 percent as a maximum.

This official poll was created using information available at CI.com and the order of the candidates was selected randomly.

Votes are limited to one vote per account, so +/- 3% tolerance for error due to Newbie.

Edited by Hydraulis on February 28 2005 at 6:39pm

__________________
It's just inherent in a collectors character to break laws, then turn around and harp on their victims morality. - E Normis Debtor

Author

Message

Hydraulis
Expert Member

Joined: October 14 2004
Location: United States
Online Status: Offline
Posts: 661

Posted: February 28 2005 at 5:32pm \| IP Logged

Birth of a Dr Tax Wannabe. Dispensing valuable information. Definately and ally to the industry.

Heres a few memories from my scrapbook.

On July 12th 2004, E. Normis Debtor wrote:

Filing a countersuit suit is a long way from winning a suit. One of the things it does, however, is allow you to bury their attorney in paperwork and run up their costs, making an out of court settlement more likely. The state I live in limits attorney fees to 15% of the underlying debt that they are suing for. So if they file suit on a $2000 debt and prevail, the most they can get for attorney fees is $300. They'll eat up more than the original debt in attorney fees just answering discovery motions.

Edited by Hydraulis on February 28 2005 at 6:28pm

__________________
It's just inherent in a collectors character to break laws, then turn around and harp on their victims morality. - E Normis Debtor

Hydraulis
Expert Member

Joined: October 14 2004
Location: United States
Online Status: Offline
Posts: 661

Posted: February 28 2005 at 5:37pm \| IP Logged

Stiffler wrote:

You are desperate. If thats the basis for your countersuit then I feel sorry for you. When you're filing a countersuit, don't you ever think that this has gone too far?

E Normis wrote:

Not really. I've filed suit on matters with even less merit than this and received out of court settlements. You collect your way, I collect mine.

Edited by Hydraulis on February 28 2005 at 6:00pm

__________________
It's just inherent in a collectors character to break laws, then turn around and harp on their victims morality. - E Normis Debtor

Hydraulis
Expert Member

Joined: October 14 2004
Location: United States
Online Status: Offline
Posts: 661

Posted: March 01 2005 at 12:48am \| IP Logged

Dabster wrote:

Bill. I totally agree that Norm has been a valuable contributor and should not leave - whether forced or not.

I know, that time he threatened my dad and mom in that email disguised as Dr Tax and then couldn't resist revealing the information on here... that was truly one for the scrap book.

And, lets not forget this quote from Uncle Normie on Wednesday 07/21/04 8:50 AM. God I love such little nuggets of information.

E. Normis wrote:

Guess it's just inherent in a collectors character to break laws, then turn around and harp on their victims morality.

We can see from this that Normie attacks anyone, even the hands that feed him.

And the truth shall set you free part V

2005-02-28T18:45:00.000-06:00

How the Wrench is able to survive

In the same thread that the Jackass blog pointed everyone to on www.collectionindustry.com
is the following post just below the ones he referred you to.

Wrench, one thing I don't understand is how you are able to survive and apparently prosper when so many people seem to hate you so much. I've also seen a lot of people singin you praises and bragging on how you have helped them. In fact, I've seen a lot more people praising you than I've seen ragging on you.

Then this morning I went over to that other website and here is what I found.

Quote
mensadisputer wrote:
One of Bill's students filed a $100,000 lawsuit on her boyfriend lawyer, won that

Bill's students? And we're supposed to accept these facts on their say so?

which was posted by CZAR.

So it seems to me they don't understand what they read over there seeing as how they are talking about me and I never was one of your students and don't plan on becoming one either.

Looks like over there they don't mind calling this mensadisuter person a liar and most everybody else too.

What you posted above sure proves to me that you know a lot more about the different kinds of endorsements than they do.

We all seen more than enough of artofcredit here to make anybody sick of them.

So now we come to the question of why it is that Normie simply refuses to quit bullshitting by falsely representing that he knows anything about the things he keeps on yapping about.

We all know that nobody in his right mind would take so much time and expend so much energy if there were no ulterior motive behind it all.

Since we know that the jackass either owns or works for PCM Holdings it is easy to understand his motivation which is, as usual, PROFIT. We also know that Bud Hibbs and myself cut deeply into their profits by making it difficult if not impossible for them to collect from knowedgeable consumers it is to their distinct advantage to discredit the major players in the field of consumer education.

If we have a question about the motives of those attempting to discredit another we always need to follow the money trail and we will soon arrive at the answers. And now we know why this particular jackass will not cease his endless brayings.

The truth shall set ye free part iv

2005-02-28T12:32:00.000-06:00

CREDITWRENCH proves Normie wrong again

First we need a very short course on definitions so that we know exactly what was/is being discussed. First we look at the definition of ACCORD & SATISFACTION

The meaning of the term novation is here.

Next we go here and put in the term "Accord" and what we find is that ACCORD & SATISFACTION comes up and gives a reference to the term "NOVATION" so we go there and we find the same definition as above and a reference to "ACCORD & SATISFACTION" but nowhere do we find any separate term for the word "ACCORD" in legal definition so now we know that the supposed definition of the word "accord" as given by Normie is nothing more than false and misleading information as usual. Nothing but the mindless braying of a jackass.

Once again proving that Normie is a prevaricator whose word can be trusted for nothing at all. The rest of his braying is below if anyone is interested.

CREDITWRENCH and legal terms

In a discussion this past July, CREDITWRENCH CEO Bill Bauer stated "sometimes the accord and satisfaction is also known as a novation." Not at all true!

An accord is an agreement by parties bound to a contract to allow a change of performance required under the contract, but does not extinguish the original contract.

For example: Say you took out a loan of $3000 and agreed to repay it in monthly payments of $300. At a later point in time you are unable to pay $300, but you can pay $150. If the creditor
agrees now to take monthy payments of $150, that is an accord. If you continue to pay the $150 until the total amount payable is paid back, you then have satisfied the accord. Hence the term "accord and satisfaction".

An accord itself is an enforceable contract. And, if you fail to live up to the terms of the accord the creditor can choose to enforce either the original contract or the accord; it's their choice. However, as long as you live up to the terms of the accord, the original contract is not enforceable.

A novation, on the other hand, completely replaces and extinguishes an original agreement. If the terms of the new agreement aren't met, only the terms of the new agreement can be enforced. There is no way the orginal contract can ever be enforced once a novation takes place.

CREDITWRENCH CEO Bill Bauer stating that an accord and satisfaction is sometimes called a novation is false and misleading.

The Truth shall set ye free part III

2005-02-28T08:46:00.000-06:00

Uncle Normie appears to claim that he is giving up his fight to discredit CREDITWRENCH, Bud Hibbs and John Gliha in the following post on pcmholdings.com. We shall see if that be true or not over time. The possible truth is that he may very well be simply regrouping for another and possibly even more vicious attack in some other way. If he is sincere then he will prove that by taking down his blog. If it remains or we find other reports or attacks on the internet then we will simply have to deal with those when and if they arise.

Quite frankly I am skeptical about the sincerity of his post below since everything else he has claimed has proven to be false so why would I believe the current statement absent proof of the intentions?

E. Normis
Expert Member

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 648

Posted: February 28 2005 at 8:26am \| IP Logged

The poll came out overwhelmingly in support of Creditwrench. I will leave you in his most capable hands. Been real.

__________________
The Truth

2005-02-27T16:31:00.000-06:00

The newest from CREDITWRENCH

Only one regular poster on PCMHoldings runs Windows 2000 and Netscape: CREDITWRENCH......until all of a sudden all these new posters show up running the exact same. Note the times online. More details later as soon as I can stop laughing.

When you stop laughing why don't you put all those new posters you are braying about in a format we can see. As it is we can't see nothing but some blurry lines which proves nothing at all.

Of course, that is nothing new. You are always claiming dumb stuff if true but are never willing to prove anything at all.

Maybe that is because you are too stupid to understand that unsupported brayings are totally worthless.. Nobody going to believe anything you say after your last dumb stunt anyway.

I'm laughing too.

Then on the message forum he asks the following.

Wow, look at all the new members voting within minutes of each other early Sunday morning. And it seems strange that all of our new members that were voting within minutes of each other all run Windows 2000 and Netscape 7. Prior to all these new members, Creditwrench was the only regular poster running windows 2000 with Netscape 7.

Welcome all you new members running windows 2000 and Netscape 7. What are the odds of that happening?

Well, I can tell you exactly what the odds are. They are exactly the same as the odds that you were in bed instead of clicking your ass off trying to keep ahead of all those people telling you what they think of you and your jackass poll.

Now then, if you were not in there trying to make that counter spin in your favor then the odds of all those new members running windows 2000 and Netscape 7 are excellent indeed.

Still laughing my ass off at your silly shit.

New post		Now You CanMake Love All Night long !!!
Make $ the Creditstench Way		[creditwrench-thetruth] New Post/Thread Notification: Credit repair discussions
New Creditwrench discussion board

CREDITWRENCH-TheTruth

How creditwrench works

Calvary Portfolio Services, LLC

Calvary Portfolio Services, LC

answering a summon

Help I'm being sued!!

Richard Cornforth Seminar in Oklahoma City

CREDITWRENCH-THETRUTH

Michigan bar member for 29 years & don't know how to defend.

E. Normis Debtor pulls another dumb act.

Assholes of the world

Creditwrench-thetruth.com

Callier vs Bauer -- Bauer wins the case.

Bauer defeats Plaintiff in Callier v. Bauer

Judge Cardone dismisses most of the case

Judge Cardone dismisses most of the Callier's case

Callier v. Bauer court case

Callier vs Bauer Court case in El Paso, Texas

E. Normisly Stupid.

Thanks to E. Normis Debtor

Thanks to E. Normis Debtor

Patti Pacifico, Robert Paisola, E. Normis Debtor

Patti Pacifico, Robert Paisola, E. Normis Debtor

E. Normis Debtor and Robert Paisola.

E. Normis Debtor recently posted the following on his foggy bottom blog

Posting, or publishing in any form, copyrighted material without the real authors permission, can expose one financially if the author chooses to pursue a private right of action against the publisher.// posted by E. Normis Debtor @ 4:18 PM

E. Normis Debtor and his nonsense postings

Monday, June 11, 2007

Creditwrench on replevin

"So if you are in foreclosure.....The first thing you need to do is to make as certain as possible that your home is totally secure, otherwise you too can come home to find your home stripped"

Absolute nonsense is it? Since when is it absolute nonsense to make certain that your home is as secure as possible?

Christine Baker fights back.

Christine Baker fights back

New Post/Thread Notification: CreditWrench Resources

E. Normis Debtor's new running marathon

E. Normis Debtor's running marathon

E. Normis Debtor -- How little he knows.

E. Normis Debtor - How little he knows!

Paisola and Patti Pacifico exposed

Conman.com

If cybersquatter Robert Paisola is the future of the internet, then we’re all in big trouble.

by Stephen Dark of the Salt Lake Weekly Newspaper

E. Normis Debtor and Robert Paisola

E. Normis Debtor and Robert Paisola

E. Normis Debtor up to his old tricks again???

Paisola vs. E. Normis Debtor -War of the Blogs

Paisola vs. E. Normis Debtor

War of the Blogs

Robert Paisola Thief in Chief of Western Capital Management

Robert Paisola - thief-in-chief

The Paisola-Pachealthcare battle rages on

The Paisola-Pachealthcare battle rages on

Uncle Normie and false and misleading information

Define Success

Thanks to Robert Paisola

Thanks to Robert Paisola

Uncle Normie loses the war

Uncle Normie loses the war

Uncle Normie recommends Robert Paisola training

The truth about creditwrench-thetruth.blogspot.com

New Post/Thread Notification: Credit repair discussions

I am the Enormis braying jackass

I'm gonnna ruin CREDITWRENCH CEO BILLIE BAUER POWER BEAVER

Another enormis line of bullcrap

New Post/Thread Notification: CreditWrench

New Post/Thread Notification: CreditWrench CANADIAN FORUM

New Post/Thread Notification: CreditWrench IRS TAX FORUM

New Post/Thread Notification: CreditWrench IRS TAX FORUM

New Post/Thread Notification: CreditWrench IRS TAX FORUM

New Post/Thread Notification: CreditWrench IRS TAX FORUM

New Post/Thread Notification: CreditWrench IRS TAX FORUM

New Post/Thread Notification: Credit repair discussions

New Post/Thread Notification: CreditWrench

New Post/Thread Notification: CreditWrench

New Post/Thread Notification: CreditWrench

New Post/Thread Notification: CreditWrench

This week in creditfraud

New Post/Thread Notification: CreditWrench

New Post/Thread Notification: CreditWrench

This week in Legal answers

Posting, or publishing in any form, copyrighted material without the real authors permission, can expose one financially if the author chooses to pursue a private right of action against the publisher.

// posted by E. Normis Debtor @ 4:18 PM

Normie sets the pace for hypocrisy

once again.