Western Capital Investigation of Credit Wrench Bill Bauer 2007

April 7, 2007

Bill Bauer Refuses to Stop Slandering the Good Name of Robert Paisola, The Chairman and CEO of Western Capital ( www.MyCollector.com )

Author

Message

Robert Paisola, CEO and Chairman, The Western Capital Family of Companies

AM UPDATE JUNE 31, 2007 FROM MIAMI FLORIDA

Well, today we found out that 3 of the people that Bill Bauer has been Messing With online, Brandon Callier, Anna Callier, Craig Cunningham and their company CCH Consulting have finally decided to stop the online game of push and shove with Billie Bauer AKA CreditWrench and just go right to The Federal District Court, charging Bill Bauer formally in a federal court of law.

[Lawsuit+First+Page_p01.jpg]

This case is a Federal Lawsuit filed against Bill Bauer "CreditWrench" in the United States District Court for the Western Division of Texas, El Paso Division. The Case was filed on June 19, 2007 and is assigned to The Honorable Judge Kathleen Cardone . We applaud the actions of Brandon and Craig and we are going to contact them and see if we can have this complaint amended to include our company, Western Capital and its CEO, Robert Paisola, amended as a similarly situated party. Great Job Guys, we will pull the case from Pacer and post it for everyone to read. If you want to follow the daily talk on this matter just go to http://angryconsumerdiary.blogspot.com/ where there is a blog set up to cover this case.

This is the commentary from their blog:

Well, some people just don't know when to leave things alone. I'm not sure why Creditwrench, aka Billie Bauer dislikes us so much and resorts to fiction when referring to us, but Billie Bauer has continued to post wildly false accusations about our business and Brandon, so we figured that we would set the record straight.

Billie has continually tried to make the association between a message board poster named "E. Normis Debtor", and Brandon Callier. The only problem is that there is no connection between the two. At all. Not yesterday, today, tomorrow, or any time in the past, present, or future.

I don't have any problem with E. Normis, and I have seen his writings about Billie and on FDCPA matters. E. Normis is a savvy person and very, very good on FDCPA case law, but Brandon isn't E. Normis, and E. Normis is not Brandon. Nice guys, both of them, but one is not the other.

We don't do business with addatradeline.com. Nothing against Adam wheeler or his business, but if ol' Billie actually did some homework,he would have noticed that the domain is up for sale and their business is shut down.

If I went into detail about every falsehood spread by Billie, I'd probably be here for 2 hours and have arthritis, but suffice it to say, about the only thing Billie got correct was the spelling of Brandon's name.

Since Billie is so interested in Brandon, we figured why not give him the fantastic opportunity to meet him in person? Surely, since he has devoted at least 4 blogs to him he would relish the opportunity for a face to face meeting. I know I would.

I figure it shouldn't be too much trouble for ol' Billie, since he has so much free time to make up blatant lies about Creditcollectionhelp.com, he can some spend some quality time with us in Federal court.

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.

Just so you can see: No, we aren't fooling around

We will be watching this case closely. All comments should be sent to BillBauerLitigation@WesternCapitalCredit.com

AM UPDATE TUESDAY June 19, 2007

Today we received an email from a friend of Western Capital that Stated that Mr. Billie Bauer aka Billie E. Bauer and his wife Bernarda Bauer were going to have a forced Sheriffs Sale because of unpaid debt. Now, here is the critical thing... We were and are not judgmental, but wanted to help. So, I asked one of my associates to pull the listing so I could read it, to see if there was anything that we could do to assist Mr. Bauer (Remember People.. This guy is 78 years old and getting older by the day..we will never attack an old man for ANY reason)

So we got a copy of the notice of Sheriffs Sale and here is what we found:

No. CJ-96-5209-63 To the general public and to persons or other entities and their unknown successors having an interest in the herein described property, or whose interest is sought to be extinguished, which specifically includes, without limitation, the following: Billie Bauer aka Billie E. Bauer and Bernarda Bauer, husband and wife; and the State of Oklahoma ex rel Oklahoma Tax Commission and Kim D. Ashley, Asst. General Counsel for Oklahoma Tax Commission. The above specified and all other persons or entities and their unknown successors having an interest in the herein described property or whose interest is sought to be extinguished, whose actual address is unknown are hereby notified of the following Sheriff's Sale. NOTICE IS HEREBY GIVEN that on the 17th day of December, 1996, at 2:00 o'clock P.M., at Room 103 Courthouse Annex, 320 Robert S. Kerr adjacent to the Oklahoma County Courthouse in Oklahoma City, Oklahoma, the Sheriff of said County will offer for sale and sell, with appraisement, for cash, at public auction, to the highest and best bidder, all that certain real estate in Oklahoma County, Oklahoma, to-wit: Lots Thirteen (13) and Fourteen (14) in Block Fifty Four (54) in SHIELD'S SOUTH OKLAHOMA CITY ADDITION to Oklahoma City, Oklahoma County, Oklahoma, as shown by the recorded plat thereof. Street Address: 130-132 S.E. 40th Street, Oklahoma City, Oklahoma subject to unpaid taxes, if any, and advancements by Plaintiff for necessary expenses, said property having been duly appraised at $18,000.00. Further; if this action includes the foreclosure of a federal tax lien, United States of America will have, after the date of the Sheriff's Sale, an additional 120 days to exercise its right of redemption under Title 18, Section 2410 of the United States Code. Sale will be made pursuant to Order of Sale issued in accordance with the Judgment and other relief granted and entered in the District Court, Oklahoma County, Oklahoma, in Case Number CJ-96-5209-63, entitled, First Enterprise Bank v. Billie Bauer aka Billie E. Bauer and Bernarda Bauer, husband and wife; and the State of Oklahoma ex rel Oklahoma Tax Commission, to satisfy: First: The costs of said action accrued and accruing. Second: To the payment of the Judgment and lien of Plaintiff in the sum of $32,704.41 with interest from the 24th day of June, 1996, until paid, at the rate of 8.00% per annum, abstracting expenses in the sum of $340.00 with interest from the 17th day of July, 1994, until paid, at the rate of 8.00% per annum, and further sum of $4,905.66 as attorney's fees, and all other costs of this action accrued and accruing. Third: To the payment of subsequent junior lien holders, if any, as set forth in the Judgment on file as a public record in this case. Fourth: The remaining balance, if any, to be paid in to the Court Clerk to await the further Order of the Court. J.D. SHARP, Sheriff DELMER W. PORTER (OBA# 7226) 10325 Greenbriar Place, Suite A Oklahoma City, OK 73159-7654 Telephone: (405) 691-6750 Attorney for Plaintiff (11-14, 11-21-96)

Now notice the date, this might be a very clear indication why Mr. Bauer is completely obsessed with Robert Paisola and Western Capital. He must have decided at that moment in his life to seek revenge on the entire industry for what happened to him as a result of his relationship with he Oklahoma Tax Commission.

So, this is an old matter, but it sure does indicate WHY he is so hostile and so mean, but as in all situations that we find ourselves in a disagreement with someone, we simply honor their choice to go down the warpath as long as they want. We still could care less, as we are very clear and focused on our mission at Western Capital.

God Bless.

Robert Paisola, CEO, Western Capital

Sometimes in life it becomes necessary to respond to the negative items that one man with nothing to do can create in his spare time. Bill Bauer is a blogger who lives in Oklahoma City, Oklahoma that is absolutely obsessed with Robert Paisola.

Our switchboards have been going crazy, as we have had to deal with all of the issues that Bill Bauer presents in his various forums. We have tried to be polite and reasonable, however his attacks do not let up. This is one of the reasons we started the newest division of our company www.ReputationMD.com

So, in a manner of self defense, we will be posting actual documentation regarding this man who so readily calls himself the Credit Wrench or CreditWrench. For a while we believed that we were on the same side...simply do what it takes to fight for consumers. But Bill has gone off the edge. Seeing Robert Paisola on MSNBC and him on a local C Rated News Station must have been what kicked him over the edge

We will be posting to our blogs at www.BillBauerfacts.com , www.BillBauerFacts.org , www.BillBauerFacts.net ,

As well as to our master corporate site at www.CollectionIndustryLive.com

We will be updating this page on a very regular basis and have contracted with a search engine optimization company to ensure that this page is in the top 10 pages of Google under, Bill Bauer, CreditWrench, Creditwrench.com, Uncle Normie, etc.

AM UPDATE MONDAY APRIL 09, 2007

BILL BAUER AKA CreditWrench Threatens to SUE! Can you believe this!

Today we received an email from Mr. Bauer that stated that unless we quit writing about him in this public forum, that he is intending to SUE! He even mentioned that he would pursue criminal charges against us.

Well Bill, thank god for Freedom of the Press, as the author of this site is a VERIFIED MEMBER OF THE MEDIA. You must understand that there are certain constitutional privileges for members of the media, and you must know that we would love NOTHING MORE than to talk to our fellow journalists at the Salt Lake City Weekly.

We are simply doing our job Mr. Bauer. The posts below did not simply come out of thin air.

MID-DAY UPDATE MONDAY APRIL 09, 2007

We just received another email from Mr. Bauer. The content is completely unexplainable, so we will simply post the email as we received it! Now, he thinks HE is being stalked!

I see that you have been wasting a lot of time trying to see what you can dig up on me. I call that stalking. Here is just a small portion of the list of web pages you have visited over the last several days.

I can track you wherever you go on the internet and see exactly what you are doing on those web pages.

Hope you are having fun.

(Our Note... It appears that Big Brother Does Exist!)

UPDATE FRIDAY APRIL 20, 2007 (NEW LINKS ADDED)

http://consumers.creditnet.com/Discussions/printthread.php?threadid=52413

http://consumers.creditnet.com/Discussions/archive/index.php/t-44710.html

http://westerncapitalfinancial.com/news_bauer.htm

http://unclenormie.blogspot.com/2005_02_13_unclenormie_archive.html

http://unclenormie.blogspot.com/2005_02_12_unclenormie_archive.html

http://www.cardreport.com/wwwboard5/wwwboard.html

http://www.fight-back.us/forum/index.php?showtopic=479

http://www.billbauerfacts.com/?d658d780

http://work-at-home-business-website.com/article/37878

http://www.creditwrench-thetruth.com/Enormisandfamily.html

http://www.westerncapitalfoundation.com/

http://www.criminon.org/

http://www.freethechildren.com/getinvolved/buildaschool.htm

http://www.habitat.org/

http://www.westerncapitalfinancial.com/about.html

http://www.criminon.org/graduation%20gallery1/index.htm

http://www.allexperts.com/expert.cgi?m=1&catID=916&expID=74749

http://www.billbauerfacts.com/index.xml

http://www.mycollector.com/favicon.ico

http://www.billbauerfacts.com/foaf.rdf

http://www.mycollector.com/RoguesGalleryfor06-19-2006_files/backlink.js

http://www.mycollector.com/RoguesGalleryfor06-19-2006_files/backlink_control.js

http://www.mycollector.com/RoguesGalleryfor06-19-2006_files/cookies.js

http://www.mycollector.com/RoguesGalleryfor06-19-2006_files/table_bg_image.htm

http://www.billbauerfacts.org/

http://www.billbauerfacts.net/

http://credit-wrench-facts.blogspot.com/2007/04/bill-bauer-78-year-old-man-who-runs.html

http://credit-wrench-facts.blogspot.com/

http://www.intelius.com/redir.php?qf=BILL&qn=BAUER&qmi=E&qc=OKLAHOMACITY&qs=OK&qa=4411 HIGH

AVE&refer=1209&adword=background+check&searchform=background

http://www.zabasearch.com/redirects/addresslink_redir.php?a=4411 HIGH AVE&c=OKLAHOMA CITY&s=OK&z=73129 http://www.zabasearch.com/yellowpages/yp_redirect2.php?qbn=BAUER&qc=OKLAHOMACITY&qs=OK

http://www.zabasearch.com/redirects/bluelink_redir.php?fn=BILL&ln=&qbn=BAUER&qc=OKLAHOMA CITY&qs=OK&sname=BILL E

BAUER&state=OK&name_style=1

http://www.zabasearch.com/frames/zaba_web_search.php?engine=zip-code&linktype=zipcode&zipcode=73129&sn=BILL+E+BAUER&fn=BILL&ln=BAUER&c=OKLAHOMA

CITY&s=OK

http://www.zabasearch.com/messages/zaba_messages_add.php?mname=BILL E BAUER&mname2=BILL E BAUER&mstate=OK&address=4411 HIGH AVE&city=OKLAHOMA CITY&state=OK&zipcode=73129 http://www.zabasearch.com/redirects/greenlink_redir.php?fn=BILL&mi=E&ln=BAUER

http://www.intelius.com/redir.php?qf=BILL&qn=BAUER&qmi=E&qc=OKLAHOMA

CITY&qs=OK&qa=4411 HIGHAVE&refer=1198&adword=background+check&searchform=background

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

http://www.quatloos.com/

http://billiebauer-thetruth.blogspot.com/2006/07/billie-bauer-on-quatloos.html

http://www2.blogger.com/post-edit.g?blogID=30484008&postID=115258376398790435

http://www.quatloos.com/Tax-Forums/viewtopic.php?t=1005317

http://billiebauer-thetruth.blogspot.com/2006/07/billie-bauer-con-man-and-thief.html

http://www2.blogger.com/post-edit.g?blogID=30484008&postID=115249308915888543

http://billiebauer-thetruth.blogspot.com/2006/07/why-billie-bauer-is-known-as-bil-lie.html

http://www2.blogger.com/post-edit.g?blogID=30484008&postID=115200585500885155

http://billiebauer-thetruth.blogspot.com/2006/07/billie-bauer-and-plagiarism.html

http://www2.blogger.com/post-edit.g?blogID=30484008&postID=115186672461832681

http://bink.nu/Default.aspx?ArticleID=5251

http://www.flickr.com/photos/40851634@N00/

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=27824&perpage=20&pgnum=2&pagenumber=1

http://creditwrench-thetruth.blogspot.com/2005/01/creditwrench-vs-debt-buyers.html

http://creditwrench-thetruth.blogspot.com/2005/01/more-bad-advice-on-rico.html

http://creditwrench-thetruth.blogspot.com/2005/01/credit-card-debt.html

http://creditwrench-thetruth.blogspot.com/2005/01/creditwrench-and-rico.html

http://www.ftc.gov/os/statutes/croa/croa.htm

http://creditwrench-thetruth.blogspot.com/2005/01/creditwrench-and-credit-repair_28.html

http://creditwrench-thetruth.blogspot.com/2005/01/exposed-as-fraud-and-liar.html

http://creditwrench-thetruth.blogspot.com/2005/01/alphabet-soup.html

http://www.ftc.gov/privacy/glbact/glbsub1.htm

http://creditwrench-thetruth.blogspot.com/2005/01/gramm-leach-bliley-act.html

http://creditwrench-thetruth.blogspot.com/2005/01/destroying-business-records.html

http://creditwrench-thetruth.blogspot.com/2005/01/binding-arbitration-and-constitution.html

http://creditwrench-thetruth.blogspot.com/2005/01/what-exactly-does-creditwrench-teach.html

http://creditwrench-thetruth.blogspot.com/2005/01/wrenchmatics.html

http://creditwrench-thetruth.blogspot.com/2005/01/statute-of-limitations.html

http://creditwrench-thetruth.blogspot.com/2005/01/creditwrench-claims-to-speak-8.html

http://creditwrench-thetruth.blogspot.com/2005/01/what-does-30-day-validation-period.html

http://creditwrench-thetruth.blogspot.com/2005/01/vacating-judgment.html

http://creditwrench-thetruth.blogspot.com/2005/01/judgment-vacated-with-prejudice.html

http://creditwrench-thetruth.blogspot.com/2005/01/starting-to-see-results.html

http://creditwrench-thetruth.blogspot.com/2005/01/affadavit-requirement-in-court.html

http://creditwrench-thetruth.blogspot.com/2005/01/special-welcome.html

http://creditwrench-thetruth.blogspot.com/2005/01/does-collector-violate-fdcpa-when-they.html

http://creditwrench-thetruth.blogspot.com/2005/01/creditwrench-and-credit-repair.html

http://creditwrench-thetruth.blogspot.com/2005/01/who-should-you-trust.html

http://creditwrench-thetruth.blogspot.com/2005/01/does-fdcpa-require-collection-agency.html

http://creditwrench-thetruth.blogspot.com/2005/01/when-must-3rd-party-collector-respond.html

http://creditwrench-thetruth.blogspot.com/2005/01/in-what-states-are-original-creditors.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-credit-repair-and.html

http://www.collectionindustry.com/forum/messagepost.cfm?catid=9&messid=10123&parentid=10123&postaction=reply&threadid=1258

http://creditwrench-thetruth.blogspot.com/2005/02/newest-from-creditwrench.html

http://www.scapegoat.demon.co.uk/undoing.htm

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-credit-repair-part-vi.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-credit-repair-part-v.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-credit-repair-part-iv.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-credit-repair-part.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-credit-repair-part-ii.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-credit-repair.html

http://creditwrench-thetruth.blogspot.com/2005/02/more-bad-advice-from-creditwrench.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-fdcpa-part-ix.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-credibility.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-loses-student.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-trademark.html

http://creditwrench-thetruth.blogspot.com/2005/02/more-ugliness.html

http://creditwrench-thetruth.blogspot.com/2005/02/upset.html

http://www.uspto.gov/teas/

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-falsely-claiming-to-be.html

http://www.mailtracking.com/mailtracking/contact.asp

http://creditwrench-thetruth.blogspot.com/2005/02/why-you-should-never-communicate-with.html

http://www2.lsb.state.ok.us/tsrs/os_oc.htm

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-saga-of-nonjudicial.html

http://www.oksenate.gov/Senators/directoryalpha.htm

http://creditwrench-thetruth.blogspot.com/2005/02/power-of-sale-and-oklahoma-statute.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-law.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-foreclosure.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-interest-rates.html

http://66.218.71.225/search/cache?_adv_prop=web&ei=UTF-8&prev_vm=p&va=sue&amp;amp;amp;va_vt=any&vp=creditwrench&vp_vt=any&vd=all&vst=0&vf=all&amp;amp;amp;vm=p&fl=0&n=10&u=consumers.creditwrench.com/printthread.php%3Ft=32&w=sue+creditwrench&d=C70D01E6F1&amp;amp;icp=1&.intl=us

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-credit-repair-via-bad.html

http://rds.yahoo.com/S=2766679/K=sue+%22creditwrench%22/v=2/SID=w/l=WS5/R=4/SIG=189vk8fle/EXP=1108294481/*-http://66.218.71.225/search/cache?_adv_prop=web&ei=UTF-8&prev_vm=p&va=sue&amp;amp;amp;va_vt=any&vp=creditwrench&vp_vt=any&vd=all&vst=0&vf=all&amp;amp;amp;vm=p&fl=0&n=10&u=consumers.creditwrench.com/printthread.php%3Ft=32&w=sue+creditwrench&d=C70D01E6F1&amp;amp;icp=1&.intl=us

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-s-fail-proof-credit.html

http://rds.yahoo.com/S=2766679/K=sue+%22creditwrench%22/v=2/SID=w/l=WS5/R=4/SIG=189vk8fle/EXP=1108294481/*-http://66.218.71.225/search/cache?_adv_prop=web&ei=UTF-8&prev_vm=p&va=sue&amp;amp;va_vt=any&vp=creditwrench&vp_vt=any&vd=all&vst=0&vf=all&amp;amp;vm=p&fl=0&n=10&u=consumers.creditwrench.com/printthread.php%3Ft=32&w=sue+creditwrench&d=C70D01E6F1&amp;icp=1&.intl=us

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-credit-repair-update.html

http://rds.yahoo.com/S=2766679/K=sue+%22creditwrench%22/v=2/SID=w/l=WS5/R=4/SIG=189vk8fle/EXP=1108294481/*-http://66.218.71.225/search/cache?_adv_prop=web&ei=UTF-8&prev_vm=p&va=sue&amp;va_vt=any&vp=creditwrench&vp_vt=any&vd=all&vst=0&vf=all&amp;vm=p&fl=0&n=10&u=consumers.creditwrench.com/printthread.php%3Ft=32&w=sue+creditwrench&d=C70D01E6F1&icp=1&.intl=us

http://www.ftc.gov/os/statutes/fcra.htm

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrenchs-fail-proof-credit-repair.html

http://rds.yahoo.com/S=2766679/K=sue+%22creditwrench%22/v=2/SID=w/l=WS5/R=4/SIG=189vk8fle/EXP=1108294481/*-http://66.218.71.225/search/cache?_adv_prop=web&ei=UTF-8&prev_vm=p&va=sue&va_vt=any&vp=creditwrench&vp_vt=any&vd=all&vst=0&vf=all&vm=p&fl=0&n=10&u=consumers.creditwrench.com/printthread.php%3Ft=32&w=sue+creditwrench&d=C70D01E6F1&icp=1&.intl=us

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-fcra-part-iii.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-fdcpa-and-law-part-viii.html

http://www.collectionindustry.blogspot.com/

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-admits-to-rico-violations.html

http://www.toronto1.biz/classifieds.php?id=2445

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-corporate-sabotage.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-fdcpa-and-law-part-vii_10.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-fdcpa-and-law-part-vii.html

http://www.excite.co.jp/world/english/web/body/?wb_url=http://www.blog-directory.org%2Ftop100views.php&wb_lp=ENJA&wb_dis=2

http://creditwrench-thetruth.blogspot.com/2005/02/thanks-japan.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-fdcpa-and-law-part-vi.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-fdcpa-and-law-part-v.html

http://caselaw.lp.findlaw.com/scripts/printer_friendly.pl?page=7th/971677.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-fdcpa-and-law-part-iv.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-fdcpa-and-law-part-iii.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-fdcpa-and-law-part-ii.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-fdcpa-and-law.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-on-licensing.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-message-board.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-fcra-part-ii.html

http://creditwrench-thetruth.blogspot.com/2005/02/creditwrench-and-fcra-part-l.html

http://creditwrench-thetruth.blogspot.com/2005/03/congress-v-courts.html

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-and-law-part-xxvi.html

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-is-brain-dead.html

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-commits-libel.html

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-fdcpa-and-tax-collection.html

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-and-links.html

http://creditwrench-thetruth.blogspot.com/2005/03/updates-slow-in-coming.html

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-message-board.html

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-resigned-to-posting-jokes.html

http://www.creditoptions.com/credit101/Whataremyrights.htm

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-and-fcra-part-v.html

http://finance.yahoo.com/q/pr?s=EFX

http://creditwrench-thetruth.blogspot.com/2005/03/example-of-poor-service-from.html

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-and-plagiarizing.html

http://creditwrench-thetruth.blogspot.com/2005/03/from-email-i-received-today.html

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-shot-out-of-saddleagain.html

http://creditwrench-thetruth.blogspot.com/2005/03/truth-about-creditwrench-breaks.html

http://creditwrench-thetruth.blogspot.com/2005/03/creditwrench-and-false-identities.html

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-and-message-boards.html

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-and-fraud.html

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-method.html

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-and-credit-cards.html

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-and-fdcpa-part-187.html

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-americas-non-expert-on.html

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-and-fdcpa-part-xxxvii.html

http://creditwrench-thetruth.blogspot.com/2005/04/wwwcreditwrenchsuckscom.html

http://creditwrench-thetruth.blogspot.com/2005/04/announcement.html

http://www.usenetbot.com/viewtopic/458258/Creditwrench

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-busted-again.html

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-and-fdcpa-part-xxi.html

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-and-cyber-law.html

http://creditwrench-thetruth.blogspot.com/2005/04/creditwrench-and-law-part-72.html

http://www.quatloos.com/TaxForums/viewtopic.php?t=1001260

http://creditwrench-thetruth.blogspot.com/2005/05/creditwrenchs-credibility-continues-to.html

http://www.quatloos.com/TaxForums/index.php

http://creditwrench-thetruth.blogspot.com/2005/05/new-forum.html

http://uscode.house.gov/uscode-cgi/fastweb.exe?getdoc+uscview+t17t20+1111+0++%20%20a

http://creditwrench-thetruth.blogspot.com/2005/05/illegal-activities-of-creditwrench.html

http://creditwrench-thetruth.blogspot.com/2005/05/creditwrenchs-legal-knowledge.html

http://groups.msn.com/Legalanswers/general.msnw?action=get_message&mview=1&ID_Message=346

http://creditwrench-thetruth.blogspot.com/2005/05/more-bad-advice-from-creditwrench.html

http://creditwrench-thetruth.blogspot.com/2005/05/this-blogs-impact-on-creditwrench.html

http://creditwrench-thetruth.blogspot.com/2005/05/creditwrench-continues-to-lose-face.html

http://creditwrench-thetruth.blogspot.com/2005/05/creditwrenchs-lack-of-credibility.html

http://creditwrench-thetruth.blogspot.com/2005/05/creditwrench-and-source-material.html

http://groups.msn.com/HowsyourCredit/general.msnw?action=get_message&mview=1&ID_Message=1858

http://creditwrench-thetruth.blogspot.com/2005/05/creditwrench-and-law-part-211.html

http://creditwrench-thetruth.blogspot.com/2005/05/creditwrench-and-collection-calls.html

http://creditwrench-thetruth.blogspot.com/2005/05/creditwrench-and-more-misleading.html

http://www.fourelectronics.com/Creditwrench-10107442.html

http://creditwrench-thetruth.blogspot.com/2005/11/false-fdcpa-claims.html

http://creditwrench-thetruth.blogspot.com/2006/01/creditwrench-and-predatory-lending.html

http://groups.msn.com/Legalanswers/general.msnw?action=get_message&mview=0&ID_Message=616&LastModified=4675557961861238718

http://www.oscn.net/applications/ocisweb/GetCaseInformation.asp?submitted=true&viewtype=caseGeneral&casemasterID=1564887&db=Oklahoma

http://creditwrench-thetruth.blogspot.com/2006/02/false-identities-part-ii.html

http://creditwrench-thetruth.blogspot.com/2006/02/false-identities.html

http://video.google.com/superbowl.html

http://www.godaddy.com/gdshop/default.asp

http://groups.msn.com/HowsyourCredit/general.msnw?action=get_message&mview=1&ID_Message=2341

http://creditwrench-thetruth.blogspot.com/2006/02/super-bowl-commercials.html

http://www.sbc.com/gen/general?pid=3740

http://phonetray.traysoft.com/index.htm

http://creditwrench-thetruth.blogspot.com/2006/03/another-creditwrench-scam.html

http://creditwrench-thetruth.blogspot.com/2005/11/updates.html

http://creditwrench-thetruth.blogspot.com/2006/02/creditwrench-and-irs.html

http://creditwrench-thetruth.blogspot.com/2006/03/10000-month-man.html

http://creditwrench-thetruth.blogspot.com/2006/05/how-helpful-is-creditwrench-forum.html

http://creditwrench-thetruth.blogspot.com/2006/05/latest-creditwrench-scam.html

http://debtorboards.com/smf/index.php

http://creditwrench-thetruth.blogspot.com/2006/05/debtor-board.html

http://www.consumers.creditwrench.com/showthread.php?t=1244&page=3

http://www.creditwrench.com/

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

http://creditwrench-thetruth.blogspot.com/2006/06/creditwrench-claims-i-post-misleading.html

http://creditwrench-thetruth.blogspot.com/2006/06/creditwrench-press-credentials.html

http://creditwrench-thetruth.blogspot.com/2006/06/honor-among-thieves.html

http://creditwrench-thetruth.blogspot.com/2006/06/new-features.html

http://creditwrench-thetruth.blogspot.com/2006/06/what-does-creditwrench-provide-you-for.html

http://creditwrench-thetruth.blogspot.com/2006/06/creditwrench-unveils-his-upcoming-con.html

http://debtorboards.com/smf/index.php?board=4;topic=1758.0

http://www.budhibbs.com/debt_collector.htm

http://creditwrench-thetruth.blogspot.com/2006/07/creditwrench-deems-his-own-methods.html

http://frwebgate.access.gpo.gov/cgi-bin/getdoc.cgi?dbname=108_cong_public_laws&docid=f:publ159.108.pdf

http://creditwrench-thetruth.blogspot.com/2006/07/your-rights-under-facta.html

http://creditwrench-thetruth.blogspot.com/2006/07/what-is-facta.html

http://creditwrench-thetruth.blogspot.com/2006/07/creditwrench-is-not-exactly-on-cutting.html

http://creditwrench-thetruth.blogspot.com/2006/07/this-blog-is-now-3-on-google-search.html

http://creditwrench-thetruth.blogspot.com/2006/08/creditwrench-and-facta.html

http://creditwrench-thetruth.blogspot.com/2006/08/need-help.html

http://creditwrench-thetruth.blogspot.com/2006/08/doing-business-with-racist.html

http://creditwrench-thetruth.blogspot.com/2006/08/creditwrench-uses-illegal-tactics-to.html

http://creditwrench-thetruth.blogspot.com/2006/08/debt-collectors.html

http://pacer.psc.uscourts.gov/pacerdesc.html

http://creditwrench-thetruth.blogspot.com/2006/09/more-false-and-misleading-information.html

http://www.lowlifedeadbeats.blogspot.com/

http://creditwrench-thetruth.blogspot.com/2006/09/whos-side-is-creditwrench-on.html

http://creditwrench-thetruth.blogspot.com/2006/09/bad-advice-continues-to-dominate.html

http://creditwrench-thetruth.blogspot.com/2006/09/creditwrench-cant-even-help-himself.html

http://creditwrench-thetruth.blogspot.com/2006/09/e-normis-influence-over-creditwrench.html

http://creditwrench-thetruth.blogspot.com/2006/09/even-more-dangerous-advice-from.html

http://creditwrench-thetruth.blogspot.com/2006/09/dangerous-advice-from-creditwrench.html

http://creditwrench-thetruth.blogspot.com/2006/09/creditwrench-unable-to-support-his_11.html

http://creditwrench-thetruth.blogspot.com/2006/09/creditwrench-lacks-knowledge-of-fdcpa.html

http://creditwrench-thetruth.blogspot.com/2006/09/get-in-trouble-with-irs-following.html

http://creditwrench-thetruth.blogspot.com/2006/09/creditwrench-cant-help-you-with-fdcpa.html

http://creditwrench-thetruth.blogspot.com/2006/09/creditwrench-unable-to-support-his.html

http://www.collectionindustry.com/forum/messageview.cfm?catid=15&threadid=5654

UPDATE MONDAY APRIL 09, 2007

Bill Bauer, the 78 Year old Man Who Runs CREDITWRENCH, Obsessed With Child Predator John Evander Couey, by Robert Paisola

From The CREDITWRENCH CHRONICLES

This is a recent post that was posted on Bill Bauers Personal Blog. Bill Bauer claims to be a Credit Repair Expert, and the SOURCE when it comes to dealing with Debt Collection Agencies.

So, we ask Bill, Why the Story on Porn? Why are you suddenly obsessed with Child Porn Bill Bauer? See www.BillBauerFacts.com for details.

Here is his recent post... SICK!

Jessica Marie Lunsford, a nine year old third grader at Homosassa Elementary School in Florida, was dropped off at her grandparent’s home by a family friend after an evening of Bible study. Around 9:00 pm with school beckoning the following morning, little Jessica’s grandfather tucked her into her bed and she drifted off to sleep with the same cares and concerns as any much loved nine year old girl. Around 3:00 am that night, as the world slept on around her, John Evander Couey , then 47 years old, woke the little girl from her dreams and commanded her to silence before spiriting her away for a three day tour of Hell.

John Couey was a known sexual predator with twenty-four prior arrests for burglary, carrying a concealed weapon without a permit, fraud and indecent exposure. He was no stranger to Florida’s jails. During a burglary in 1978, Couey had sexually assaulted a sleeping child in her bedroom and was sentenced to serve 10 years in Florida’s prison system. He was paroled less than three years later in 1980. In 1991 he was again arrested for sexually assaulting another child and sentenced to five years in prison. He was paroled again after serving a small fraction of his sentence. On the night John Couey took Jessica Lunsford from her bedroom, Citrus County Florida had issued a warrant for his arrest for violating the terms of his probation steaming from a misdemeanor drug violation. There was also a warrant out for his arrest for failing to update his home address which is required for all sex offenders.

John Couey took the little girl to a trailer home less than a hundred and fifty yards from where she had left her school clothes laying neatly folded next to her bed. In the trailer John Couey shared with his sister, Dorothy Dixon and her adult daughter, Madie Secord, he repeatedly raped nine year old Jessica Lunsford over a three day period. He kept her in his bedroom closet while he went to work nearby at “Billy’s Truck Lot.” When frantic police searching for the missing girl questioned the four people sharing Couey’s trailer, they said nothing of her presence in the nearby closet nor did they reveal that the known sex offender was staying there. The battered and traumatized child was still alive in the closet at the time.

Three days after being taken from her bed, John Evander Couey tied her wrists with speaker wire and stuffed the still living nine year old into a garbage bag burying her alive under the steps of the trailer home in a hole two and a half feet deep. Weakened by three days of non-stop horror, the lack of food and water and the trauma she had endured, the little girl tried to escape from the grave she had been pushed into. She managed to get two small fingers of one tightly bound hand through a hole she had ripped in the plastic trash bag before she suffocated to death.

The next morning, on March 4, 2005, Madie Secord, John Couey’s niece, went to the bus station and purchased a one-way ticket to Savannah, Georgia in her own name. She gave that bus ticket to her uncle and on the following Monday, John Couey left town. Florida authorities began looking for him about a week later when he failed to update his home address for the state’s sex offender data-base.

John Couey was subsequently arrested by Savannah police and turned over to the authorities in Florida. On March 18, 2005 he confessed to the kidnapping, rape and murder of Jessica Lunsford and the on the day following, Florida police recovered Jessica’s body from the shallow grave where she had suffocated.

John Couey’s attorney was later able to get the initial confession thrown out on the grounds that police had denied him an attorney prior to taken questioning. Since the evidence implicating the defendant’s sister, niece and their boyfriends who were all present (and doing cocaine) in the trailer while Couey ravaged the little girl in a nearby bedroom, was contained in the original confession, all charges against those four individuals were dropped.

On March 7, 2007, two years and a few days after nine year old Jessica suffocated to death in a dirt filled hole, it took a mere four hours of deliberation for the twelve jurors assigned to Couey’s trial to deliver a verdict of guilty on all charges. John Evander Couey was found guilty of first-degree murder, guilty of sexual battery on a child younger than 12, guilty of kidnapping and guilty of burglary with battery.

Stay tuned.

We wanted to show you a photo of exactly who Mr. Bill Bauer is also:

Bill Bauer
1604 S.W. 28th St.
Oklahoma City, Ok 73108

BILL E BAUER Born 1931     More Information on BILL E BAUER
4411 HIGH AVE   Map It    Recorded: 10/15/2003 BILL E BAUER business listings Check Yellow Pages
OKLAHOMA CITY, OK 73129   Leave a message for BILL E BAUER
www.ZabaSearch.com/Google - Background Check

IF YOU HAVE HAD ANY EXPERIENCES WITH MR. BILL BAUER, BILLIE BAUER OR THE CREDIT WRENCH, PLEASE EMAIL US IMMEDIATELY AT INVESTIGATIONS@MYCOLLECTOR.COM . YOUR CONFIDENTIALITY IS ASSURED

THIS IS THE MAN THAT WE ARE LOOKING AT..... BILL BAUER BORN IN 1932

A NOTE TO OUR READERS AND LISTENERS:

Many of our Readers and Listeners around the World know that we have some Professional Disagreements with the author of the above noted blog, however, we must applaud his efforts at describing the CreditWrench Method of dealing with Bill Collectors and the serious implications of becoming one of Bill Bauers Students.

We realize and understand that the author of the blog "Normie" perhaps does not care for what we do at Western Capital, however, we can not overlook his professional approach as he has long been dealing with Mr. Bauer.

Thank you for the time you have dedicated to your investigation Normie.

Billie Bauer on Quatloos

Search on the name Billie Bauer. Number one on the return is Quatloos. Visit the Quatloos website and do a search on Billie Bauer, for more information on the con-artist, thief, and liar.

Sunday, July 09, 2006

Billie Bauer the con-man and thief

Billie Bauer is simply nothing more than a con-man and thief.

He steals from innocent consumers who find themselves in financial difficulty by making promises to them he cannot fulfill. Quite simply, he preys on the very consumer he proclaims to help. That is as low as a thief can get.

He admitted, just recently, that he not only does not know what the federal consumer protection laws are, he refuses to comply with them in his business dealings with consumers.

We will explore this matter in greater depth over the coming days on my Creditwrench blog.

Tuesday, July 04, 2006

Why Billie Bauer is known as Bil-LIE

On June 12, 2006 Billie Bauer made the following statement in reference to my Creditwrench blog:

And with that junk pile he wants you to believe he is #1 at something or
other. The proof is in the pudding

First of all, the words "the proof is in the pudding" is an unintelligible phrase. The rice may be in the pudding, but the proof can't be. What he likely meant to say is "the proof of the pudding is in the eating". But that's not the only unintelligible phrase from the above statement by Billie Bauer.

A google search on the name Billie Bauer shows my Creditwrench blog in the #1 position.

Billie Bauer's own unintelligible statements prove him once again to be a Bil-LIAR.

Sunday, July 02, 2006

Billie Bauer and plagiarism

In a post here Billie Bauer committed copyright infringement by plagiarizing an original work without giving credit to the author. His apparent hope was that people would give him credit for having written it.

As has been pointed out many times on this blog Billie Bauer uses shameless means to promote his illegal credit repair scam.

Friday, June 30, 2006

Billie Bauer posts false and misleading information

More to come.

While you're waiting, please go here.

Effectiveness of Creditwrench method

Recently I posted about the absurdity of the 18 questions for collectors Creditwrench CEO Billie Bauer includes in his "courses." Including the fact they lack any legal basis.

More importantly, nothing that Creditwrench CEO Billie Bauer teaches can possibly be effective.

As further proof, I recently had the opportunity to listen first hand to what a Creditwrench "student" found out the hard way.

Here are the exact words of a Creditwrench "student":

"I'm a wrench student so I've sent all the letters and followed those instructions. They keep calling and leaving nasty messages. They are starting to threaten legal action. So far, there has been no validation of the debt."

There you have it, straight from someone who actually paid Creditwrench CEO Billie Bauer for help. Unfortunately, only to discover too late Creditwrench is a scam. And, that all of the information he claimed would work was simply false and misleading information.

A picture is worth a thousand words

Creditwrench CEO Billie Bauer has made numerous posts all over the internet referencing the "Wrenchmobile". He always builds up this vehicle he uses as transportation as being "all computerized" "specially equipped" "worked on in speed shops" ad nauseum.

Here's an example of how he brags about this "special vehicle." Though the technology he talks about is as ancient as he is, one would think his means of transportation would at least be "adequate".

If you have ever thought that, now is the time to re-think.

Even if I do say so myself, Uncle Normie has performed an exceptional piece of detective work to find out more about this "Wrenchmobile". And, as you will plainly see, even in my wildest dreams I could never have conjured up such a nightmare.

Creditwrench CEO Billie Bauer's only means of transportation.

Ladies and Gentlement, Uncle Normie brings you..........The Wrenchmobile.

Creditwrench banned again

Coming to the realization that Creditwrench Ceo Bille Bauer provides nothing but false and misleading information, he will, from its very inception, be banned from the new PCMholdings forum.

That leaves only one forum on the entire internet that permits Creditwrench CEO Billie Bauer to post false and misleading information....his own.

So, if you're interested in false and misleading information, you will easily find him alone with his numerous alias posting it on his forum.

If you're looking for factual information, just follow any of the many links provided on the right side of this blog.

Further proof that, since the inception of the world's number 1 blog about Creditwrench, the world has become better aware of Creditwrench Ceo Billie Bauer's con games and scams.

Creditwrench provides misleading information about consumer rights

Recently, while seeking to clarify their rights, a consumer seeking relief from harassment by a debt collector posed the following question to CREDITWRENCH CEO Billie Bauer:

"Allied Interstate calls me at least 10 times a day and when I see their
ph # on caller ID, I just let it ring. What do I need....."

What was the reply from Creditwrench CEO Billie Bauer?

"First you need http://www.creditwrench.com/18questions.html and that will put a hitch in their git-along pretty fast."

What kind of advice is that?

It's meaningless advice, and simply worsens the exact situation the consumer is trying to avoid; continuing phone calls.

These "18 questions" have absolutely no basis in any consumer protection law. Not surprising though, as has already been pointed out on numerous occasions, CREDITWRENCH CEO Billie Bauer has no knowledge of consumer protection laws.

Subsequent to a debt collectors initial communication with a consumer, the FDCPA only requires that a debt collector disclose that the call is from a debt collector. Their simply stating "this is ABC Debt Collector calling about your past due XYZ account" fully and completely satisfies the disclosure requirements of the FDCPA. They need not provide anything further.

Creditwrench CEO Billie Bauer implying they need to provide anything further is false and misleading, and will do nothing more than further aggrevate an already stressful situation for the consumer.

Next I will discuss what your rights are under the FDCPA, and how you can better deal with a collectors calls. Advice Creditwrench CEO Billie Bauer is obviously unable to provide.

Creditwrench is proven wrong by a DEBT COLLECTOR

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In a recent discussion with a professional debt collector, CREDITWRENCH CEO Billie Bauer made the following claim:

"Consumer reporting agencies (Experian, Trans Union, and Equifax) search court records for civil money complaints that have not yet been tried, and report these lawsuits against consumer credit reports as Judgments."

I found Creditwrench CEO Billie Bauer's statement above to be false and misleading, as did others.

I requested the professional debt collector respond to CREDITWRENCH CEO Billie Bauer's claim. Though I am a consumer advocate, facts are still facts. And, CREDITWRENCH CEO Billie Bauer's claim is simply not fact.

Accordingly, I have posted, below, the professional debt collectors response which I find to be accurate and factual.

"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. 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 (a law that Billie Bauer states he was not aware of and further claims has no application to his illegal credit repair scam).

Billie Bauer’s statement that a yet-to-be-tried lawsuit automatically results in a Judgment against a person’s credit report is false and misleading.

Billie Bauer further stated that the CRA’s will report “pending lawsuits” against a person’s credit report. This is also a false statement, since it is impossible for the CRA’s to have advance knowledge that a creditor is preparing a pleading on a yet-to-be-filed lawsuit for an unpaid debt. Additionally, even if a creditor had intention of filing a lawsuit against a consumer at some point in the future, there is NO coded provision anywhere within the credit reporting system for a “pending lawsuit” to be reported against a consumer’s credit bureau report. Each type of debt carries its own identifying alpha/numeric code with the CRA’s, and when submitting a debt to the credit bureaus for reporting purposes, data furnishers are required to select from among a limited number of pre-determined alpha/numeric codes in order to properly distinguish the type of debt being submitted for reporting (credit card, retail charge account, mortgage, automobile installment loan, etc), as well as the account’s payment status (current, delinquent, charged off, transferred, etc). The fact is, there is NO alpha/numeric code with any of the CRA’s for a “pending lawsuit”. It simply doesn’t exist, so even if a creditor wanted to report a pending lawsuit to consumer's credit report, the creditor would be unable to do so.

Billie Bauer’s statement that “pending lawsuits” are reported to a consumer’s personal credit bureau report is false and misleading.

Finally, in the very same discussion, CREDITWRENCH CEO Billie Bauer also claimed that civil money Judgments are picked up by the CRA’s directly from the courts and reported against the Debtor’s personal credit bureau report. This is entirely false and is a very dangerous statement for Billie Bauer to say to a Judgment Creditor. The CRA’s do not comb through thousands of court records looking for Judgments to report against a person’s credit bureau report, and the courts do not pay clerks to sift and sort through thousands of court records to locate and submit civil money Judgments to the CRA’s for reporting purposes. The fact is, if a Judgment Creditor wants his or her civil money Judgment to appear on the Judgment Debtor’s personal credit bureau report, the Judgment Creditor must obtain an Abstract of Judgment from the court that awarded the Judgment, and the Judgment Creditor must file the document with a County Recorder’s office to perfect a Lien against the Judgment Debtor. The County Recorder will then submit the recorded Judgment to the CRA’s for reporting against the consumer’s personal credit bureau report. If a Judgment Creditor were to make the mistake of accepting the advice of Billie Bauer, the Creditor would falsely assume that his or her Judgment is automatically reported to the credit bureaus when it is awarded in court. Years can go by with the Judgment Creditor waiting for the day when the debtor would be forced to pay the Judgment to clear the tradeline from his credit report. In reality, the Judgment would eventually become stale-dated and unpaid since it was NOT in fact ever reported to the credit bureaus by the court. A Judgment Creditor could stand to lose tens of thousands of dollars in uncollected funds by following Billie Bauer’s dangerous and ill-informed "advice".

Billie Bauer’s statement that a civil money Judgment is automatically reported by the Courts against a consumer’s credit report is false and misleading

Deceptive practice Creditwrench uses to enroll a "student"

----------------------------------------------------------------
In a recent effort to enroll a "student" to his illegal credit repair scam, CREDITWRENCH CEO Billie Bauer shed further light on his deceptive con-man ways.

After hearing the potential "student's" story, CREDITWRENCH CEO Billie Bauer implied that he had extensive experience filing suit in Federal Court for FDCPA violations and could "teach" the student how to become a plaintiff himself. These are exact quotes from Creditwrench CEO Billie Bauer:

"....that is the time to become the plaintiff in a federal case against him and his client for violation of FDCPA."

"I had a rock solid case that could be easily proven since I had the evidence....."

"But believe me when I say it is much better to be the plaintiff than it is to be the defendant."

That last one takes the cake. Why should anyone "believe" Creditwrench CEO Billie Bauer? I'll give a very good reason you should not believe Creditwrench CEO Billie Bauer.

Contrary to his intimating so in the above captioned quotes, CREDITWRENCH CEO Billie Bauer has absolutely no experience as a plaintiff in Federal Court in an FDCPA suit. None! Nada! Zippo!

A quick search of all Federal Court filings on PACER for FDCPA suits quickly reveals there has never been a plaintiff with the name Billie Bauer, Bill Bauer, or any of the other various and assorted alias' the con-man uses.

It is recommended that you consult an attorney if your rights have been violated. Contrary to the false assertions of CREDITWRENCH CEO Billie Bauer, a prevailing plaintiff's attorney fees in an FDCPA case must be paid by the defendant. It costs you nothing to enforce your FDCPA rights. That is mandated by Federal Law!!!!

If you insist on proceeding pro se, there are a number of message boards on the right side of this blog where you can the obtain assistance of individuals who do have actual experience in Federal Court as pro se plaintiff's. And, they offer their experience and assistance for free. Unlike CREDITWRENCH CEO Billie Bauer who has absolutely no experience as a pro se plaintiff in a federal FDCPA suit, and wants to charge you.

Further evidence Crediwrench is a scam

Recently a consumer told CREDITWRENCH CEO Bille Bauer that the consumer became aware of a pending suit against him after reviewing his credit report, and posed a question regarding this pending suit.

In typical CREDITWRENCH fashion, CREDITWRENCH CEO Bill Bauer proceeded to spout off false and misleading information.

The truth is, a pending suit would not appear on someone's credit report. What this consumer was looking at was a judgment that was entered against him, because he apparently never bothered to defend the suit against him.

CREDITWRENCH CEO Billie Bauer was unable to detect this discrepancy, therefore providing worthless information to the consumer.

Evolution of a Creditwrench scam

-----------------------------------------------------------------------------------

As has already been shown with irrefutable facts, Creditwrench CEO Billie Bauer obtains all his legal information from this blog. I thought it might be interesting to show how Creditwrench CEO Billie Bauer introduces such material into his credit repair scam in a manner that he can claim credit for it.

Though I could show dozens of examples of his doing this, let's just look at his latest scam.

1. 10-02-06 10:33 PM Creditwrench posts wording of the new amendments to the FDCPA from a press release to his message board. This wording is incomplete and contains variances from the actual amendment.

2. 10-03-06 3:12 AM The exact wording of the FDCPA amendment is posted on this blog. The source of this wording is not revealed...intentionally.

3. 10-03-06 7:13 AM Based on my 3:12 AM posting of the exact FDCPA amendment wording here, Creditwrench copies and pastes it, including a misspelled word. Proof of where he obtained the wording he now takes credit for and claiming he obtained it "directly from the law".

4. 10-03-06 1:15 PM In my blog posting, I now reveal the source of my information here on my blog; the Library of Congress.

5. 10-4-06 7:31 PM Creditwrench again edits his message. Now he refers to the Library of Congress versions of the FDCPA amendments. A source Creditwrench was heretofore unfamiliar with until reading about it here. In this same edit, he now refers to the wording he stole from this blog, the wording he previously claimed he obtained directly from "the law" as "false and misleading".

However, CREDITWRENCH CEO Billie Bauer is confused. The Library of Congress posts each revision of a bill so there are a number of revised versions to choose from. Not knowing what to do, Creditwrench CEO Billie Bauer claims no one knows which version the President will actually sign.

I prove him wrong once again. The Bill has already been signed by the Speaker of the House, and the Vice President. It is final. That version goes to the White House for the President's signature. However, a copy of the actual Bill going to the President cannot be obtained from the Library of Congress. I upload the final version to my own web site and link to it in the post below without revealing the source.

Having been embarassed by my exposure of his obtaining all of his information from this blog, and not knowing how to obtain a copy of a Bill being presented to the President for his signature, Creditwrench CEO is in a quandry.

Creditwrench is now forced to download the final version from my website. But, he's afraid to post it publicly not knowing how I've doctored it. Instead, he is forced to post it in his "student lounge". Which is rather pointless because he has no students.

Now you can see how Creditwrench CEO Billie Bauer really operates. He plays with smoke and mirrors, creating an illusion he can provide accurate information. The proof exists here that he can't. He must continually edit the information he posts as his schemes are exposed on this blog.

Further clear and convincing evidence* that CREDITWRENCH CEO Billie Bauer is a thief, a liar, a con-man, a fraud, and provides nothing more than false and misleading information

CREDITWRENCH advice on the FDCPA

On his message board, CREDITWRENCH CEO Bill Bauer, gives the following advice to a poster:

"1.) FDCPA states that after receipt of the debtor's demand for validation he may not contact the debtor again until such time as he has completed his validation and mailed it to the debtor with the sole exception that within 5 days he must do two things. He must notify the debtor that he has received the debtor's demand for validation and will not contact the debtor again for any reason until the validation is completed. 2.) He must within 5 days after receipt of the debtor's demand for vaildation notify the credit bureaus that the listing is disputed by the debtor."

Read the FDCPA. It outlines none of the requirements above as was advised the unwary poster.

All of the above statements by CREDITWRENCH are false and misleading.

CREDITWRENCH and RICO Part II

In his attempt to distance himself from his stated position that RICO violations are a viable cause of action against collection agencies, CREDITWRENCH CEO, Billie Bauer provides this link to support his standing that RICO charges are not a cause of action.

However, if you read the entire thread, there is nothing posted by the username of creditwrench.

Hoping that no one would actually read the thread in its entirety, and realize his registered username of creditwrench ap

Billie Bauer aka: CreditWrench- When The Truth Must Be Told, by Robert Paisola