CREDITWRENCH-THETRUTH

Creditwrench-thetruth and his new blog post

2006-11-11T07:27:00.000-08:00

Topic: So much for the Creditwrench method

Author

Message

E. Normis
Expert Member

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 1673

Posted: November 10 2006 at 6:56pm \| IP Logged

Not to mention the 18 questions.

Goody, more blog material

http://www.consumers.creditwrench.com/showthread.php?s=f616e de95b795393a2329ccd4f239ab9&t=1526

2006-11-03T07:21:00.000-08:00

E. Normis
Expert Spammer

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 1665

Posted: November 02 2006 at 2:39pm \| IP Logged

Here's another example. This was posted yesterday on flyingifr's board. Note the very last post where the poster cites Citibank v. Martin.

The people in your target market will be googling the phrase Citibank v. Martin and guess what? 75% of all google listings will lead any potential "student" to the truth about Creditwrench-thetruth.

Spamming 101 baby.

Go ahead, try it

Edit: Make that 100% The Florida Debtor forum links back to my geocities page.

PCMHOLDINGS.COM now down to $5500. Pretty soons we will just give it away

2006-10-28T19:23:00.000-07:00

Topic: The PCM Website is Now For Sale!

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Ryan Evans
Admin Group
Pacific Healthcare

Joined: October 01 2003
Location: Antarctica
Online Status: Offline
Posts: 65

Posted: October 09 2006 at 6:38pm \| IP Logged

Hello All. We recently changed our business structure and we have decided to sell the entire PCMHoldings website (This entire website), for approximately 20k.

If interested, call 1 (714) 965-5950, or send send an email to RyanEvans@aol.com

Thanks,

The reason we are wanting to dump our website and it's famous message board is that there is nothing of value left of it after Creditwrench has beaten up on Lawdog who is my moderator, E. Normis Debtor and Derek. I thought those clowns would do a hatchet job on CREDITWRENCH CEO BILLIE BAUER but sadly enough it didn't work out that way and now no debt collector will even come close to the place. They shun it like the plague because they don't even want to take a chance that they might incur the wrath of THE WRENCH.

So somebody please buy my website and my message board for $20,000 so I can save my Pacific Healthcare Debt collection business. I desperately need the money quickly because the doctors and hospitals have quit sending me business too and I got to pay my bills somehow.

I'm desperate and need to sell quicklybut nobody wants the damned thing so I'm going to reduce the price even more.

The PCM Holdings website is for sale. http://www.pcmholdings.com/Forum/default.asp

The website consists of a Debt Buyers and Debt Sellers Forum, a Discussion Forum and a Portfolios for Sale Forum.

It holds over 600 hundred industry related email addresses for sending news letters etc.

It is self maintained and the hosting is pre-paid for one year.

We currently have one paying advertiser. We have not put any time into selling ads, as we are too busy with our current project.

You can change the name and content to whatever you wish.

Its a lot of fun. Its great for getting clients and or and networking within the industry.

We are substantially lowering the sale price for quick sale to $5,500.00.

First come first served. If you are interested, please email me or call me.

Thank you,

Jane Madison

714.585.1115

JaneMadisonPCM@aol.com

Please buy my website and put a stop to the endless spamming by E. Normis.

page strength meters for pcmholdings.com and others.

2006-10-25T07:17:00.000-07:00

Page strength meter for this blog.

Page strength meter for www.pcmholdings.com

Page strength meter for Creditwrench-thetruth.blogspot.com

Page strength meter for www.themostwantedcriminals.com

Page strength meter for the official collection industry Magazine

Creditwrench-thetruth admits being a spammer

2006-10-22T06:35:00.000-07:00

Well how about that sports fans?

E. Normis
Expert Member

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 1611

Posted: October 21 2006 at 9:43pm \| IP Logged

Below, and admittedly, Creditwrench CEO Billie Bauer's reference guide on the FDCPA, FCRA, FACTA, and CROA.

WHICH IS ALL HE EVER POSTS ABOUT and all for the sole purpose of promoting a smoglog he don't even know how to run or get into the blog search engines.
In other words, neither he nor his smoglog amount to two whoops in hell!

Creditwrench-thetruth exposed as an E. Normis squid

2006-10-20T05:44:00.000-07:00

Creditwrench-thetruth is an E. Normis squid

PacHealthcare.com Forums : Off Topic Discussions

Topic: New referral technique

Author

Message

E. Normis
Expert Member

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 1607

Posted: October 19 2006 at 1:03pm \| IP Logged

In an effort to expose even more consumers to the illegal credit repair scam operated by Creditwrench CEO Bille Bauer, I will be using a few techniques designed specifically to introduce them to The Blog.

Here's an one example.

Go ahead, try it

Edited by E. Normis on October 19 2006 at 1:08pm

__________________
you need to study....how to properly deny the truth -- Creditwrench CEO Billie Bauer 9/13/06

What is this new method he plans to use?

HERE IT IS.

MORE SPAM, OF COURSE BECAUSE THAT IS ALL HE KNOWS HOW TO DO!

Yesterday, 11:58 AM

E. Normis Debtor

Senior Member

Quite Learned

Join Date: Jul 2006

Location: Oklahoma

Posts: 240

I suggest a thorough reading of Johnson v. MBNA. Go to The Blog and you'll find the link under "frequently requested cases".

__________________
The truth about Creditwrench

Caught like a rat in a trap!

Yesterday, 02:51 PM

Max H

Junior Member

Believer in Synchronicity

Join Date: Oct 2006

Location: New York

Posts: 1

Quote:

Originally Posted by E. Normis Debtor

I suggest a thorough reading of Johnson v. MBNA. Go to The Blog and you'll find the link under "frequently requested cases".

Why not just post the link right here instead of trying to sucker people into visiting your website? I've seen your spam all over the internet and it isn't appreciated.

Here is the link to the Johnson v. MBNA case you would have just posted here if you weren't trying to spam the board.

Don't tell us you aren't a spammer because I've seen your spam all over the USENET newsgroups, on the MSN egroups and on the Yahoo egroups and just about every message board on the internet.

You ought to be ashamed of yourself.

Creditwrench-thetruth finally exposed for the fraud that he is

2006-10-18T11:08:00.000-07:00

E. Normis
Expert Member

Joined: October 12 2004
Location: United States
Online Status: Online
Posts: 1602

Posted: October 18 2006 at 12:19pm \| IP Logged

Bil-LIE, why not pose your question to the author. Or, have you already been banned from his board?

My only interest is in commenting on what advice YOU give. Hence the name of Creditwrench-thetruth.

Edited by E. Normis on October 18 2006 at 12:22pm

__________________
you need to study....how to properly deny the truth -- Creditwrench CEO Billie Bauer 9/13/06

World's #1 Blog about Creditwrench

Creditwrench
Expert Member

Joined: October 16 2004
Location: United States
Online Status: Online
Posts: 1740

Posted: October 18 2006 at 12:49pm \| IP Logged

E. Normis wrote:

Bil-LIE, why not pose your question to the author. Or, have you already been banned from his board?

My only interest is in commenting on what advice YOU give. Hence the name of Creditwrench-thetruth.

In a conversation today with E. Normis Debtor who is the cowardly little thief who stole the name Creditwrench-thetruth from it's rightful owner, he admitted that he could not answer the question that was asked of him by CREDITWRENCH CEO BILLIE BAUER.

To make matters even worse for himself, he admitted that his only purpose in life was to make false and misleading statements about whatever has been posted anywhere by CREDITWRENCH CEO Billie Bauer.

The real truth is that while he may indeed have been told by others that the question posed by CREDITWRENCH CEO BILLIE BAUER was copied and pasted from a web page which "normie" highly recommends on his blog and loudly touts as being a message forum that contains accurate information and good ideas and if he admitted that the garbage and misleading information was indeed just that, garbage then that would be far too illuminating to be within the range of his comfort level.

In short, if the E. Normis Fraud admitted the truth he would have just shot his credibility all to hell and allowed everyone to see the extent of his activities and the true purpose thereof.

PRICELESS!

__________________
How many ways do I love you characters? Here are just a very few This link updates automatically every day!

internet threat to commit murder posted on pcmholdings.com

2006-10-17T11:41:00.000-07:00

From - Tue Oct 17 12:41:52 2006
X-UIDL: 5344ed65300a5f3ff7ce25967e76eb12
X-Mozilla-Status: 0201
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Return-path:
Envelope-to: ceo@creditwrench.com
Delivery-date: Tue, 17 Oct 2006 11:38:45 -0600
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thread-index: AcbyEzUBs83WAue+RlugmknZDfHnZA==
Thread-Topic: PacHealthcare.com Forums : MISC WRENCHIE MORONIC RANTS
From: "PacHealthcare.com Forums"
To: "Creditwrench"
Subject: PacHealthcare.com Forums : MISC WRENCHIE MORONIC RANTS
Date: Tue, 17 Oct 2006 10:39:33 -0700
Message-ID: <000001c6f213$3501f920$0900a8c0@tothenet.com>
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Hi Creditwrench,

A message has been posted in the forum on PacHealthcare.com Forums that
you asked us to keep an eye on.

To view and/or reply to the post then click on the link below : -
http://www.pcmholdings.com/forum/forum_posts.asp?TID=1251&TPN=1

If you no-longer wish to recieve email notification for this Topic or
Forum click on the link below : -
http://www.pcmholdings.com/forum/email_notify.asp?TID=1251&FID=18&M=Unsu
bscribe

_____

Forum: Off Topic Discussions
Topic: MISC WRENCHIE MORONIC RANTS
Posted By: Derek

[QUOTE=E. Normis aka "Creditwrench-thetruth"]...anyone attempting to put a bullet through your thick skull may need to use armor piercing ammo.[/QUOTE]

Too loud. Might attract attention. Better to use a knife blade into
the lungs from behind (between the ribs)...prevents the person from
screaming. Then a quick zip-strip around the neck and pull tight.

That's the easy part. The challenge is disposing of the body so it's
never found.

------=_NextPart_000_0001_01C6F1D8.88A32120
Content-Type: text/html
Content-Transfer-Encoding: 7bit

Hi Creditwrench,

A message has been posted in the forum on PacHealthcare.com Forums that you asked us to keep an eye on.

To view and/or reply to the post then click on the link below : -
http://www.pcmholdings.com/forum/forum_posts.asp?TID=1251&TPN=1

If you no-longer wish to recieve email notification for this Topic or Forum click on the link below : -
http://www.pcmholdings.com/forum/email_notify.asp?TID=1251&FID=18&M=Unsubscribe

Forum: Off Topic Discussions
Topic: MISC WRENCHIE MORONIC RANTS
Posted By: Derek

[QUOTE=E. Normis]...anyone attempting to put a bullet through your thick skull may need to use armor piercing ammo.[/QUOTE]

Too loud. Might attract attention. Better to use a knife blade into the lungs from behind (between the ribs)...prevents the person from screaming. Then a quick zip-strip around the neck and pull tight.

That's the easy part. The challenge is disposing of the body so it's never found.

------=_NextPart_000_0001_01C6F1D8.88A32120--

WWW.PCMHOLDINGS.COM is up for sale.

2006-10-16T10:06:00.000-07:00

Topic: The PCM Website is Now For Sale!

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Ryan Evans
Admin Group
Pacific Healthcare

Joined: October 01 2003
Location: Antarctica
Online Status: Offline
Posts: 65

Posted: October 09 2006 at 6:38pm \| IP Logged

Hello All. We recently changed our business structure and we have decided to sell the entire PCMHoldings website (This entire website), for approximately 20k.

If interested, call 1 (714) 965-5950, or send send an email to RyanEvans@aol.com

Thanks,

PCMHOLDINGS.COM is up for sale.

2006-10-16T09:11:00.000-07:00

Topic: The PCM Website is Now For Sale!

Author

Message

<<> | Next Topic >>

Ryan Evans
Admin Group
Pacific Healthcare

Joined: October 01 2003
Location: Antarctica
Online Status: Offline
Posts: 65

Posted: October 09 2006 at 6:38pm \| IP Logged

Hello All. We recently changed our business structure and we have decided to sell the entire PCMHoldings website (This entire website), for approximately 20k.

If interested, call 1 (714) 965-5950, or send send an email to RyanEvans@aol.com

Thanks,

Debt Collector threatens to murder Creditwrench CEO Billie Bauer again!

2006-10-14T17:25:00.000-07:00

Saturday, October 14, 2006

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

Creditwrench-thetruth.blogspot.com

2006-10-14T06:55:00.000-07:00

ACA's Jenny LOON speaks about IRS debt collectors

2006-10-11T14:23:00.000-07:00

Treasury Report Latest Confirmation of Need for Private IRS Debt Collection

ACA Blasts Treasury Union for Fearmongering

MINNEAPOLIS (Oct. 10, 2006) — ACA International, The American Criminals Association (ACA) today pointed to a new report by the Treasury Inspector General for Tax Administration (TIGTA) as fresh evidence of the need for the IRS’s Private Collection Agency (PCA) program and blasted opponents of the program for twisting the report’s conclusions.

The TIGTA report found that IRS computer systems holding or transferring private taxpayer information have received the required Privacy Impact Assessment (PIA) only 54 percent of the time. The E-Government Act of 2002 requires a PIA to be filed with the Office of Privacy and Information Protection for each of the IRS’s 240 systems or projects involving personal data.

“The TIGTA findings that privacy has not been adequately maintained by IRS employees remind us why Congress mandated that the IRS engage the private sector to help them fulfill their mission,” said ACA Director of Government Affairs Jenifer Loon. “While the IRS works diligently to address privacy concerns, taxpayers can be assured that private tax collection agencies are using state-of-the-art technology and best business practices to safeguard privacy while helping to reduce the $300 billion tax collection gap,” Loon said.

“Sadly NTEU, the public employees union representing IRS workers, opposes strengthening privacy for taxpayers by relying on private sector resources and has chosen instead to twist the facts in order to purposely confuse and scare taxpayers,” Loon said. An October 5th press release from the NTEU made unfounded and inaccurate claims that the TIGTA report disapproves of the PCA program. “Contrary to NTEU assertions, the TIGTA report says nothing about the PCA program. This is because PCA’s adhere to more stringent privacy standards and do not even receive tax return information from the IRS.”

Private Collection Agencies (PCAs) have been contracted by the IRS to recover delinquent taxes that the IRS—due to a structure that lacks many tools used professionally and effectively by the private sector—is unable to pursue internally. The initial phase of the program began September 7 and is already exceeding expectations, according to congressional testimony last week by IRS Commissioner Mark Everson.

“Already I’m told (hearsay testimony) we have received over a half a million in cash thus far from some 250-odd taxpayers,” (Government speak for "An average of only $2,000 per each person paying up) Everson told the Homeland Security and Government Affairs Subcommittee on Federal Financial Management, Government Information and International Security.

Responding to questions from the Subcommittee members, Everson indicated the debt collection program was off to a good start. He also pledged to vigilant oversight of the program. “I’m cautiously optimistic that [the program] is going to supplement and bring in more money to help us, but if there are any warts or problems with it, we’re going to be very transparent about it and make whatever adjustments we have to.”

The Privacy Impact Assessment filed for the PCA program can be viewed online at http://www.irs.gov/privacy/article/0,,id=140507,00.html.

The complete TIGTA report is available at http://www.ustreas.gov/tigta/auditreports/2006reports/200620166fr.pdf.

ACA International, the American Criminals Association , is the comprehensive, knowledge-based resource for success in the credit and collection industry. Founded in 1939, ACA brings together more than 6,000 members worldwide, including third-party collection agencies, asset buyers, attorneys, creditors and vendor affiliates. The association establishes (un)ethical standards, produces a wide variety of products, services and publications, and articulates the value of the credit and collection industry to businesses, policymakers and consumers. For more information about ACA International, visit The Caulkin-Groansberg Report

Creditwrench-thetruth proven a sex pervert

2006-10-08T04:18:00.000-07:00

Creditwrench-thetruth proven sex pervert

Creditwrench-thetruth and Robert Paisola

2006-10-07T07:44:00.000-07:00

PCMHOLDINGS.COM official press release

Our official position on this is that it must be a propaganda push by some infidel who will surely suffer the wrath of God for his preposterous allegations.
Signed:
Official Propaganda Minister for PCMHOLDINGS.COM

[QUOTE=E. Normis on pcmholdings.com ranted]

Interesting the characters that read my blog. A couple of days ago I corrected a statement made in a phone recording on mycollector.com regarding FDCPA violations, and posted it where the website operator is a guest expert.

[/QUOTE]

Priceless!

But here is but a small part of the incriminating evidence that shows that "E.Normis" aka "Uncle Normie" who attempts to palm himself off as "creditwrench-thetruth" and Robert Paisola of Western Capitol Management which is located in Salt Lake City, Utah are one and the same person.

FORUMS > OFF-TOPIC DISCUSSION

Thread Title: Had to give this its own thread Created On Friday 09/15/06 12:41 PM

BuckShotMgraw Senior Member Posts: 415 Joined: Jun 2005

Friday 09/15/06 12:41 PM

CHECK THIS OUT HEHEHE BSM ------------------------- "I see you're a collection attorney in Texas."-JDBFM asking TX Debt atty a serious question "I have my share of credit cards, I just perfer not to use them."- lexis is nexis " I agree with you 100% ... Buckshot." Divide & Conquer

E. Normis Debtor Senior Member Posts: 2171 Joined: Jun 2004

Monday 09/18/06 11:05 PM

Awesome ------------------------- you need to study....how to properly deny the truth -- Creditwrench-thetruth 9/13/06 Creditwrench - The truth

FORUMS > OFF-TOPIC DISCUSSION

Normie's wet dream avatar

We can now easily see that the sex pervert who calls himself "Uncle Normie" at times and at other times calls himself "Creditwrench-thetruth" is not only a sexual deviate but is also most likely the convicted Robert Paisola of Western Capitol Management or is closely related to him. The evidence is overwhelming. Robert Paisola is also a pathological liar and so is this "Uncle Normie". Both are closely linked to the debt collection industry and yet both claim to have nothing to do with debt collection except attempting to be consumer advocates. The similiarities are far too close to be denied. The evidence firmly establishes them to be one and the same or one working under the control and direction of the other. So who is going to believe anything a sex pervert-pathological liar obviously bent on destroying the credibility of his competitors has to say?

FDCPA Rule changes exerpted from the Thomas Library.

2006-10-04T05:10:00.000-07:00

A recent furor has erupted about whose version of the new FDCPA rule
changes is the correct version.

The Creditwrench message forum first exerpted portions of the proposed
new FDCPA changes which was taken from the Kaulkin-Ginsberg press
release which loudly proclaimed their participation and effectiveness
in getting the new legislation passed into law. Creditwrench obviously
knew that the Kaulkin-Ginsberg release had to be false and misleading
and his purpose was to expose that fact.

Later, a pediantic moron who calls himself "creditwrench-thetruth"
posted equally putrid garbage about what he claimed to have obtained
from the Library of Congress but was also full of false and misleading
information as usual.

The correct version, also later posted by creditwrench on his forum and
herein copied from the creditwrench message board and the Thomas
Library follows.

Creditwrench
Administrator

Join Date: Oct 2004
Posts: 1,363
Re: FDCPA Changes
Now then, here is the actual wording of the portion of the bill which
is applicable to FDCPA. As you can see there seem to be some
differences between the press release put out by the Caulkin-Groansberg
gag-rag for the benefit of it's ACA (American Criminals Association)
members.

802. Other Amendments
This section makes amendments to the FDCPA. These include:
(1) a clarification that formal pleadings are not initial
communications;
(2) an exception to the definition of initial communication for forms
or notices that do not relate to the collection of a debt and are
required by the Internal Revenue Code of 1986, Title V of the GLBA, or
Federal or State law relating to notice of data security breach or
privacy; and

(3) a clarification that debt collection activities and communications
may continue during the 30-day validation period as long as they do not
overshadow or are inconsistent with the disclosure of the consumer's
right to dispute the debt or request the name and address of the
original creditor.

Now then, as can be seen by checking the differences between the actual
wording of the bill and the hype and hoopla put out by
Caulkin-Groansberg and their ACA (American Criminals Association)
things are not quite as they would like consumers to believe that they
are.

Caulkin-Groansberg put out their gagrag article loudly proclaiming how
much good they had done for their "hood" by working closely with
legislators to get the new revisions to FDCPA passed in order to
lighten the burdens put upon the collection industry by an old and
outmoded FDCPA which sorely needed revamping.

Looks more like hogwash to me. As can be readily seen, they just
reported the first part of the legislation but didn't talk about the
part underlined in red above. It is that latter part in underlined red
type that is the actual key to the whole thing. They can't overshadow
in the process in anyway and what constitutes overshadowing has already
been well defined by numerous court decisions.

It also puts the further burden on them which is that their actions may
not be inconsistent with the disclosure of the consumer's right to
dispute the debt or request the name and address of the original
creditor.

What it looks like to me is a ready made trap for the overzealous
criminal rather than bringing any great new benefits to America's Most
Wanted Criminals.

What we will have to do is to be certain that we are more keenly
attuned to exactly what is and is not overshadowing or what may or may
not be adjudged to be interference with our right to dispute the debt
or any portion thereof.

What is also inherently obvious in the comparison between the
Caulkin-Groansburg gagrag version and the actual wording is that C-G
did not read or comprehend the full text but rather in it's rush to
publish rubbish chose to ignore the real truth of the matter in order
to further enhance their bragging.
__________________________________________________ _____
Someone else claims that this version they found somewhere is
The actual wording of the newly ammended FDCPA is as follows:

Collection activities and communications that do not otherwise violate
this title may continue during the 30-day period referred to in
subsection

(a) unless the consumer has notified the debt collector in writing that
the debt , or any portion of the debt , is disputed or that the
consumer requests the name and address of the original creditor. Any
collection activities and communication during the 30-day period may
not overshadow or be inconsistent with the disclosure of the consumer's
right to dispute the debt or request the name and address of the
original creditor.

This latter is also false and misleading information, but when we
consider the source, we would expect nothing less. Either way, there
are no really essential changes in the wording of the two versions. The
only real difference is in the original caulkin-groansberg press
release version which just goes to prove that you can't believe
anything a debt collector or anyone associated with a debt collector
says.

The version that is much more believeable is taken from the Thomas
Library at Thomas Library version
Here it is.
S.2856

Financial Services Regulatory Relief Act of 2006 (Engrossed Amendment
as Agreed to by House)

SEC. 802. OTHER AMENDMENTS.

(a) Legal Pleadings- Section 809 of the Fair Debt Collection
Practices Act (15 U.S.C. 1692g) is amended by adding at the end the
following new subsection:

`(d) Legal Pleadings- A communication in the form of a formal
pleading in a civil action shall not be treated as an initial
communication for purposes of subsection (a).'.

(b) Notice Provisions- Section 809 of the Fair Debt Collection
Practices Act (15 U.S.C. 1692g) is amended by adding after subsection
(d) (as added by subsection (a) of this section) the following new
subsection:

`(e) Notice Provisions- The sending or delivery of any form or
notice which does not relate to the collection of a debt and is
expressly required by the Internal Revenue Code of 1986, title V of
Gramm-Leach-Bliley Act , or any provision of Federal or State law
relating to notice of data security breach or privacy, or any
regulation prescribed under any such provision of law, shall not be
treated as an initial communication in connection with debt collection
for purposes of this section.'.

(c) Establishment of Right to Collect Within the First 30 Days-
Section 809(b) of the Fair Debt Collection Practices Act (15 U.S.C.
1692g(b)) is amended by adding at the end the following new sentences:
`Collection activities and communications that do not otherwise violate
this title may continue during the 30-day period referred to in
subsection (a) unless the consumer has notified the debt collector in
writing that the debt , or any portion of the debt , is disputed or
that the consumer requests the name and address of the original
creditor. Any collection activities and communication during the 30-day
period may not overshadow or be inconsistent with the disclosure of the
consumer's right to dispute the debt or request the name and address of
the original creditor.'.

The real truth is that no version has any validity until it is signed
into law by the president and even then sections of it may be
overturned by the Supremes at any time although it is highly doubtful
that the Supremes will have reason to find fault with any of the above
wording.

Another point is that this isn't the full version of the bill by any
stretch of the imagination. These changes are a very small section of a
much larger bill that mostly deals with banks and banking institutions
and gives them much greater freedom in setting up new branch banks and
lessens the paperwork burdens on the banks when reporting to various
banking and banking related agencies. Some sections also make changes
to GLBA and the requirements about who must send out those yearly
privacy notices previously demanded by GLBA.

Although most of us have not been paying attention to GLBA and those
yearly privacy notices that have been required and even some banks
still do not have the right information nor have they ever complied
with the original requirements of GLBA. Many banks are simply handing
out or mailing out a privacy notice to their new customers at or
shortly after opening a new bank account then never again.

So this isn't just about FDCPA but rather a whole range of financially
related law.

We aren't really going to have reliable information until it is signed
by the President, becomes actual law and has been distributed to the
public and even then we will have to guess how the courts will rule on
various cases before we can really get the whole case law on the new
changes.
__________________
This Sigline updates constantly! Try it!
Creditwrench - The lethal weapon against debt collectors
ceo@creditwrench.com
Creditwrench Blog
(405) 616-7901 - CALL ANYTIME
(405)-227-9423 - CALL ANYTIME

--~--~---------~--~----~------------~-------~--~----~

Creditwrench-thetruth exposed as a pediantic moron

2006-10-04T05:06:00.000-07:00

A recent furor has erupted about whose version of the new FDCPA rule
changes is the correct version.

The correct version, also later posted by creditwrench on his forum and
herein copied from the creditwrench message board and the Thomas
Library follows.

Creditwrench
Administrator

What it looks like to me is a ready made trap for the overzealous
criminal rather than bringing any great new benefits to America's Most
Wanted Criminals.

Collection activities and communications that do not otherwise violate
this title may continue during the 30-day period referred to in
subsection

The version that is much more believeable is taken from the Thomas
Library at Thomas Library version
Here it is.
S.2856

Financial Services Regulatory Relief Act of 2006 (Engrossed Amendment
as Agreed to by House)

SEC. 802. OTHER AMENDMENTS.

(a) Legal Pleadings- Section 809 of the Fair Debt Collection
Practices Act (15 U.S.C. 1692g) is amended by adding at the end the
following new subsection:

`(d) Legal Pleadings- A communication in the form of a formal
pleading in a civil action shall not be treated as an initial
communication for purposes of subsection (a).'.

So this isn't just about FDCPA but rather a whole range of financially
related law.

--~--~---------~--~----~------------~-------~--~----~
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To post to this group, send email to Kaulkin-Ginsberg@googlegroups.com
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For more options, visit this group at http://groups.google.com/group/Kaulkin-Ginsberg
-~----------~----~----~----~------~----~------~--~---

PCMHOLDINGS movie now in Google Video library.

2006-09-21T15:04:00.000-07:00

OUR GLORIOUS MOVIE -- Pcmholdings.com

Lawdog
Propaganda Group

Joined: March 23 2005
Location: United States
Online Status: Online
Posts: 841

Posted: September 21 2006 at 11:48Am \| IP Logged

It is with great pleasure that I announce to the world that our great movie has been accepted and is now a part of the Google Video library and all anyone who wishes to view it need do is to go to WWW.GOOGLE.COM and click on the "video" tab then put PCMHOLDINGS in the search box and it will pop right up and you can watch this great movie which will have you gripping your chair in suspense.

Please consider watching our great movie in the Google video library or clicking on the link below.

__________________
Here it is in all it's glory

PCMHOLDINGS Derek lays out a new plan.

2006-09-19T22:51:00.000-07:00

Author

Message

Derek
Expert Member

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 982

Posted: September 19 2006 at 8:30pm \| IP Logged

Bil-LIE, if I were to open a collection office in Oklahoma City, would you take a job training some new collectors?

__________________
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

OUR GLORIOUS MOVIE -- Pcmholdings.com

2006-09-17T22:21:00.000-07:00

Lawdog
Moderator Group

Joined: March 23 2005
Location: United States
Online Status: Online
Posts: 841

Posted: September 17 2006 at 11:48pm \| IP Logged

The oddest thing is that Lawdong somehow thinks that nobody will ever see our great new promo movie. I keep telling him that everybody in the debt collection industry will see it and realize it is absolutely the best.

Before we are done distributing it we will have emailed it to every known collection agency, bank, credit card company and debt buyer in the entire world.

Soon they will all know what a great company we are and how technologically advanced we are.

Even the mighty NCO will bow down to us with respect when they have seen our movie.

__________________
Here it is in all it's glory

PCMHOLDINGS and it's E. Normis Criminal

2006-09-17T16:26:00.000-07:00

Normie the criminal and The wrench is smacking him down good!

PCMHOLDINGS.COM

Pcmholdings.com is where debt collectors
gather to flame each other and
bash consumers.

Sunday, September 17, 2006

PCMHOLDINGS defines the word "OXYMORON"

E. Normis
Expert Member

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 1527

Posted: September 17 2006 at 10:08am \| IP Logged

Creditwrench-thetruth's credibility. Dog, I think you identified the world's #1 oxymoron.

__________________
See the PCMHOLDINGS.com promotional movie

World's #1 Blog about Creditwrench-thetruth

oxymoron dog
creditwrench-thetruth

, it just keeps going and going and going

[pcmholding] [PCMHOLDINGS.COM] PCMHOLDINGS has identifed the World's #1 Dummox

2006-09-17T13:58:00.000-07:00

Derek
Expert Putzmeister

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 978

Posted: September 17 2006 at 11:21am \| IP Logged

E. Normis wrote:

Creditwrench-thetruth's credibility. Dog, I think you identified the world's #1 dummox.

--
Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 9/17/2006 12:42:00 PM __._,_.___

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Change settings via the Web (Yahoo! ID required)
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__,_._,___

PCMHOLDINGS defines the word "OXYMORON"

2006-09-17T09:03:00.000-07:00

E. Normis
Expert Member

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 1527

Posted: September 17 2006 at 10:08am \| IP Logged

__,_._,___

PCMHOLDINGS and it's staff of debt collectors.

2006-09-16T12:29:00.000-07:00

Lawdog
Propaganda Group

Joined: March 23 2005
Location: United States
Online Status: Offline
Posts: 829

We here at PCMHOLDINGS.com would like you to view this great movie that tells about our professional collections staff and we also hope that you will also visit our great new wiki

Uncle Normie would greatly appreciate it if you would visit some of his blogs

pcmholdings movie

[pcmholding] [PCMHOLDINGS.COM] pcmholdings now reduced to selling cigarettes

2006-09-15T16:56:00.000-07:00

Pacific Healthcare has now been reduced to selling cigarettes on line through their forum known as pcmholdings.com because their plummeting debt collection business has left them in dire straits indeed.

PacHealthcare.com Forums : Off Topic Discussions

Topic: Best online cigarettes shop

Author

Message

<<> | Next Topic >>

galastore
New Member

Joined: June 28 2006
Online Status: Offline
Posts: 1

Posted: September 15 2006 at 3:49am \| IP Logged

Welcome at the best online cigarette shop www.galastore.com!

Buy discount cigarettes online at www.galastore.com

Bond 12.95$

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www.galastore.com www.galastore.com www.galastore.com

We carry all major brands like Sobranie Black Russian, ESSE and Cigaronne.

We offer the world's best cigarettes at the best prices on the Internet!

--
Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 9/15/2006 07:23:00 AM __._,_.___

__,_._,___

[pcmholding] [PCMHOLDINGS.COM] Murder threats on the internet by Derek of PCMHOLDINGS

2006-09-13T03:32:00.000-07:00

Derek
Expert Member

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 965

Posted: September 12 2006 at 11:03pm \| IP Logged

From Credit Wrench on HelpForDebtors.com:

Derek just said, "you gotta do what you gotta do" didn't he? He said he was going to "pay me a little visit" here in Oklahoma City on the PCMHOLDINGS.com board.

Normie, you yourself have publicly accused him of attempting to kill your mother many times on CollectionIndustry.com.

Is he actually capable of committing murder? Well, we don't know that for sure, now do we?

....well, for starters, I'm not foolish enough to get my hands dirty - forensics and DNA are tough to beat in court. And if someone simply becomes a statistic on a missing persons chart and a body is not found and there is no evidence of foul play, then there isn't much of a problem in fending off an investigation or defending against a murder charge.

By-the-way, Bil-LIE, you DO have life insurance, don't you?
__________________

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

--
Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 9/13/2006 03:26:00 AM __._,_.___

__,_._,___

PCMHOLDINGS says you gotta do what you gotta do.

2006-09-12T10:21:00.000-07:00

Originally posted on this forum

Hey, Wrench, I have a
Submitted by Derek on Mon, 09/11/2006 - 6:43pm. *new

Hey, Wrench, I have a surprise for you:

It was ME that did all the things you are accusing Normie of. I don't want Normie taking credit for my hard work in getting you banned from forums all across America. As to my methods, well one has to do what one has to do when fighting the enemy.

Oh, and one more thing: Normie is NOT in California....that's ME.

As for Glook, he can click on Normie's link about you, Wrench, and he can learn all about your scams and cons.

______________________________________________________________

Well, Derek, you didn't post this obviously ludicrous statement on the blog he keeps trying to get everybody to go to, did you?
****************************************************
"Read anything posted by Creditwrench CEO Billie Bauer anywhere on the internet, send me an email, and I will be happy to cite the necessary authority to prove that what Creditwrench CEO Billie Bauer has posted is false and misleading."
***************************************************
Anybody with any common sense at all will instantly realize that he can't possibly back up that boast. And that alone should be more than enough to warn anybody that anything on that blog is likely to be just as false and misleading and if they actually do go there they will quickly realize that fact.

Half truths and outright lies made to look like there might be some truth to it.

And your own statement above tells the whole story. You and your pals are debt collectors and you full well realize that anyone or anything that threatens your livelihood and your industry must be dealt with in anyway possible.

My public statement(s) that debt collectors are actually America's most wanted criminals is one that is starting to get an great deal of attention here on the internet and probably lots of other places as well. While that may seem a pretty far fetched statement in itself at first glance, let's examine the logic behind it and see just how far fetched it is.

1. According to many quotes including those put out by various members of the collection industry and the press there are more than 150,000 people working in the collections industry today. Some sources now say more than 162,000 people are employed in the collections number and most sources say that number is growing every day. Most likely the truth is that nobody will ever be able to know exactly how many are employed as debt collectors at any given time.

2. Most of those so employed actually break the law(s) in one way or another each and every day. Their infractions may be great or they may be pretty minor, simple mistakes of omission that anyone might make anytime, but violations none the less.
Some of those violations are extrememly serious such as failure to pay creditors for money collected from debtors. Stealing money from their employers in other words. Many of those so employed are actual criminals with prison records or long arrest records for whatever felony crimes they have committed. It makes no difference how you break the law or how serious the violation is or whether or not the violator was caught and convicted of anything, he is still a criminal if he breaks the law.

Debt collection companies have no qualms about breaking our laws because the chances of getting nailed for it are slim and even if they are caught and fined the fine is of such a small amount that it amounts to no more than a slap on the wrist. Even a fine of $1.5 or so million dollars is nothing to a company like NCO or ALLIED or Sherman Acquisitions or any of the large agencies who make a lot more money than that. What is a fine of say $1.5 million to a company making more than $100 million a year? Nothing at all. The only thing that even comes close to hurting them is the adverse publicity and that not much.

3. Debt collectors usually like to hide their physical address or other contact information from debtors and the public. Why? One reason is that when the debt collector calls he don't want to wait for his money. He wants it paid by online check or credit card right then and there. If a debtor wants the contact information he has to dig it out of them and that is often not easy to do.

That "hiding" causes untold hundreds of people to have to hunt them down every day
who actually need and want to pay them off but can't find them to do so. I can easily prove that fact because I have many websites out there such as THIS ONE which is nothing but lists of contact information for thousands of collection agencies all across America and even some in Canada and other countries. They are compliled into lists alphabetically and by phone number and by the state that they have offices in.

Those websites get hundreds of visits every day and there are a lot of other websites out there with similiar information who are also getting lots of hits.

Law enforcement officials are also out there trying to hunt them down so that they can be brought to justice. I know that to be a fact because I often get calls from various law enforcement agencies from around the country wanting to know if I can help them find some collection agency or other.

4. I say that easily makes debt collectors like you America's Most Wanted Criminals and I think most people who ever had to deal with a debt collector would tend to agree with me when I make that statement.

Most people are not aware of all of the stories about criminal debt collectors and the violations they commit every day. Stories put out by such reliable sources as The Boston Globe, KDKA TV, Channel 6 in Denver and many, many more all across America but I'm starting to put together a compendium of those stories which will be put on a new website featuring all the stories I can find about America's Most Wanted Criminals.

So, by your own admission, we now have the truth about why you, Normie or E. Normis Debtor (or whatever fake and fictious name he chooses to use) are doing all you possibly can to discredit me and make me look like a fool. And if you can do that to me then you can also do the same to all other message boards or anybody who really presents a credible threat to your so called "industry".

In your own words, you, Normie and the rest of your crowd will stop at nothing to defame, discredit, flame or do whatever it takes to put me out of business and then you will obviously move on to do the same to anyone else who tells the public what criminals you and your "industry" really are and how to deal with your abusive collection practices in an effective manner.

You have tried to do the same to Bud Hibbs and are continuing to do so and you are trying to do the same thing to a few others, most of whom present no real threat to your "business."

But the truth hurts and it will keep on hurting because what you don't seem to realize is that the only thing that will keep me from effectively telling the story about the industry is for you to actually come to Oklahoma City, put a gun to my head and pull the trigger and it would probably surprise nobody to learn that you have actually threatened to come to Oklahoma City and "pay me a little visit". You actually did that right on the pcmholdings forum not long ago. There have been other such statements on your PCMHOLDINGS.com forum as well, probably also by you and your other false screen names.

So if I turn up dead one of these days it will surprise nobody at all. But your problem is that I'm not going to go away until the day I die. No amount of false and misleading statements about me is going to change the fact that you can't win the battle. My words will remain long after I am dead and gone too and you can't break me financially either no matter what you do.

The only way to win is to clean up your industry and you don't have the power to do that either.

So just keep on with your slimy tricks and bad mouthing me. Most people are getting the message no matter what you do or say.

And count on the fact that I'm going to use what you have said against you so people learn what they are dealing with. I'm using your own statements against you to prove what a fraud you and your "Normie" really are.

Creditwrench-thetruth

--
Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 9/12/2006 10:17:00 AM

Pcmholdings' E. Normis admits the truth for once

2006-09-10T18:37:00.000-07:00

Creditwrench
Expert Member

Joined: October 16 2004
Location: United States
Online Status: Online
Posts: 1602

Posted: September 10 2006 at 8:06pm \| IP Logged

E. Normis wrote:

Oh, you mean this Bud Hibbs

Yeah, that Bud Hibbs. How many Bud Hibbs are out there that would confuse you so much?

Quote:

I simply help out consumers who have not been able to find a suitable message board on which to pose their questions regarding credit matters

Quote:

Certainly they wouldn't post such important questions on the Creditwrench-thetruth message board.

Unless, of course, they were looking for false and misleading information.

, it just keeps going and going and going

__,_._,___

Welcome to the pcmholding group

2006-09-10T13:00:00.000-07:00

Hello,

I've added you to my pcmholding group at Yahoo! Groups, a free,
easy-to-use service. Yahoo! Groups makes it easy to send and receive
group messages, coordinate events, share photos and files, and more.

My introductory message to you:
------------------------------------------------------------------------
please join

Description of the group:
------------------------------------------------------------------------
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each other and bash consumers.

Complete your Yahoo! Groups account:
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