tag:blogger.com,1999:blog-74485592024-03-08T18:15:58.795-06:00The Official Collection Industry MagazineThe Official Collection Industry Blog keeps collections professionals and consumers alike informed about the debt collection industry and it's members nationwide.Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comBlogger274125tag:blogger.com,1999:blog-7448559.post-65146749196657854532008-12-19T00:00:00.001-06:002008-12-19T00:00:37.672-06:00Tabbloid for 2008-12-19 01:00To make changes to your delivery options<br>go to <a href="http://www.tabbloid.com/2257.3da871c9">http://www.tabbloid.com/2257.3da871c9</a><p>To unsubscribe,<br>go to <a href="http://www.tabbloid.com/unsubscribe/2257.3da871c9">http://www.tabbloid.com/unsubscribe/2257.3da871c9</a>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-47252647116272215092008-12-12T09:21:00.000-06:002008-12-12T09:25:02.749-06:00Economy and debt collectors.<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" alt="Collection Industry Magazine logo" width="300" border="0" /><p><span style="color:red;"><b><br />12/11/2008 01:40 PM<br /><br />Author Icon<br />Tornado<br />Member<br /><br />Posts: 26<br />Joined Forum: 10/24/2005<br /> <br />This morning Elite Recovery suddenly shut down, 70 people were told to leave the premises. No warning, no notice. Collections have been thin, but this was unexpected.<br /><br /><br />Earlier this week, CSGA in Columbus folded, Bronson & Migliaccio are ready to file for bankruptcy. Redline Recovery and LHR are laying off large numbers. I dont know if I can make it through the season at this rate.<br /><br />Does this clear up with the new administration or do I make the smart move and look for work in another industry? I hate to throw away 4 years experience, but man, this is scary.<br /><br />I had a friend at Unistates/First American got laid off last month. It seems like that started the ball rolling. Who's next on the list of failed agencies?<br />Top : Bottom<br />12/11/2008 01:45 PM<br />User is offline View Users Profile Print this message<br /><br />Author Icon<br />PaythePiper<br />Junior Member<br /><br />Posts: 7<br />Joined Forum: 03/28/2008<br /><br /> <br />Everyone in WNY is nervous right now Tornado, the First American/Unistates bankruptcy filing sent a shockwave throughout the area. NCO and Creditors Interchange are pink slipping this week, expect to see a lot of small players gone by the new year. This is like Wall Street dejavoo, a domino effect on the area. Who wudda thunk it just six months ago?<br />Top : Bottom<br />12/11/2008 01:49 PM<br />User is offline View Users Profile Print this message<br /><br />Author Icon<br />Tornado<br />Member<br /><br />Posts: 26<br />Joined Forum: 10/24/2005<br /><br /> <br />Yeah I know - six months ago I was hitting bonus and walking the floor part time instead of having to spend 8 hours on the phone - it was great. The paper got awful thin around October and management started "suggesting" stronger tactics on the phone. I wouldn't have given some of these accounts to my worst enemy, (lots of OOS stuff, a bunch we decided had been culled by at least one other team in Buffalo).<br /><br />I think our situation at RLC had to do with inability to finance new paper, but who knows for sure.<br />Top : Bottom<br />12/11/2008 01:59 PM<br />User is offline View Users Profile Print this message<br /><br />Author Icon<br />Dr Tax<br />Senior Member<br /><br />Posts: 894<br />Joined Forum: 08/01/2003<br /><br /> <br />I guess it's time for the Collections Industry to plead its case for a multi-Billion dollar bailout.<br /><br />-------------------------<br />Visit the Credit Terrorist Training Camp - http://www.debtorboards.com<br />Top : Bottom<br />12/11/2008 06:35 PM<br />User is offline View Users Profile Print this message<br /><br />Author Icon<br />~Fleppie~<br />Senior Member<br /><br />Posts: 231<br />Joined Forum: 06/11/2008<br /><br /> <br />Ugh.......... Tax........ THWAP!!!!! Just the thought of that gave me an instant headache<br /><br />-------------------------<br />If you want Moral or Ethical review of your debt, take the debtor to a church. ~ Dr. Tax<br />Top : Bottom<br />12/11/2008 08:37 PM<br />User is offline View Users Profile Print this message<br /><br />Author Icon<br />gfg<br />Senior Member<br /><br />Posts: 1036<br />Joined Forum: 06/19/2006<br /><br /> <br />Originally posted by: Dr Tax<br /><br />I guess it's time for the Collections Industry to plead its case for a multi-Billion dollar bailout.<br /><br /><br />Or we can all sit around and laugh about it, huh Tax?<br /><br />Maybe we just need more agressive techniques to "pursuade" payment....<br /><br />-------------------------<br />"they obviously employ an asshole scrub of some sort ? "<br /><br />Average Joe, responding to Tax's claim that AFNI "gave up" 8-21-08<br /><br /><br /><br />Edited: 12/11/2008 at 08:37 PM by gfg<br />Top : Bottom<br />12/12/2008 06:39 AM<br />User is offline View Users Profile Print this message<br /><br />Author Icon<br />Dr Tax<br />Senior Member<br /><br />Posts: 894<br />Joined Forum: 08/01/2003<br /><br /> <br />Originally posted by: gfg<br /><br />Originally posted by: Dr Tax<br /><br />I guess it's time for the Collections Industry to plead its case for a multi-Billion dollar bailout.<br /><br /><br />Or we can all sit around and laugh about it, huh Tax?<br />Maybe we just need more agressive techniques to "pursuade" payment....<br /><br /><br />Ten trillion dollars of individual wealth just evaporated into thin air in the last 12 months. Since those were the dollars you were trying to collect, maybe you just need a bigger butterfly net.<br /><br />-------------------------<br />Visit the Credit Terrorist Training Camp - http://www.debtorboards.com<br />Top : Bottom<br />12/12/2008 06:58 AM<br />User is offline View Users Profile Print this message<br /><br />Author Icon<br />TX Debt Atty<br />Senior Member<br /><br />Posts: 1248<br />Joined Forum: 06/23/2006<br /><br /> <br />Darn . . . that's what I've been missing all this time . . . a butterfly net!!!<br /><br />-------------------------<br />Actually, every one of my posts on this board have been uncalled for. - Spy Boy (8/2/07) </b></span></p>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-73224484705002834822008-11-25T11:06:00.000-06:002008-11-25T11:07:55.138-06:00<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" alt="Collection Industry Magazine logo" width="300" border="0" /><p><script language="javascript" src="http://www.rss-info.com/rss2.php?integration=js&windowopen=1&rss=http%3A%2F%2Fwww.insidearm.com%2Fforum%2Frss.cfm%3Fcatid%3D15&number=10&width=300&ifbgcol=000000&bordercol=FF0000&textbgcol=00CC00&rssbgcol=00CC00&showrsstitle=1&showtext=1"> </script> </p>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1161531814342393412006-10-22T10:41:00.000-05:002006-10-22T10:43:46.750-05:00Creditwrench-thetruth blog asks you to pray for it's victims<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="300" border="0" alt="Collection Industry Magazine logo" /><br /><br />Creditwrench-thetruth asks you to pray for it's victims.<br /><br /><img src="http://img323.imageshack.us/img323/9531/churchsignxw9.jpg" border="0" />Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1161380839545235482006-10-20T16:46:00.000-05:002006-10-20T16:47:20.813-05:00Creditwrench-thetruth His true identity exposed!<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="300" border="0" alt="Collection Industry Magazine logo"><br /><br /><img src="http://www.creditwrench-thetruth.com/creditwrench-thetruth.jpg" alt="creditwrench-thetruth logo" /><p><br /><br /></p><h1>Creditwrench-thetruth is an E. Normis squid</h1><br /><table align="center" border="0" cellpadding="3" cellspacing="0" width="98%"> <tbody><tr><td class="bold" align="left" width="95%"><img src="http://www.pcmholdings.com/forum/forum_images/open_folder_icon.gif" align="middle" border="0" /> <a href="http://www.pcmholdings.com/forum/default.asp" target="_self" class="boldLink">PacHealthcare.com Forums</a> : <a href="http://www.pcmholdings.com/forum/forum_topics.asp?FID=18&PN=1" target="_self" class="boldLink">Off Topic Discussions</a> </td> <td align="right" width="5%"><br /></td> </tr> </tbody> </table> <table align="center" border="0" cellpadding="4" cellspacing="0" width="98%"> <tbody><tr> <td width="70%"><span class="lgText"><img src="http://www.pcmholdings.com/forum/forum_images/subject_folder.gif" alt="Subject" align="middle" /> Topic: New referral technique</span> </td> <td align="right"><a href="http://www.pcmholdings.com/forum/edit_post.asp?M=R&FID=18" target="_self"><br /></a> </td> </tr> </tbody> </table> <table border="0" cellpadding="3" cellspacing="1" width="100%"> <tbody><tr> <td class="tHeading" background="forum_images/table_bg_image.gif" bgcolor="#a6aad3" nowrap="nowrap" width="140">Author</td> <td class="tHeading" background="forum_images/table_bg_image.gif" bgcolor="#a6aad3" nowrap="nowrap" width="82%"><table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td class="tHeading" width="20%">Message</td> <td align="right" nowrap="nowrap" width="80%"><a href="http://www.pcmholdings.com/forum/get_topic.asp?FID=18&TID=1253&DIR=N" target="_self" class="npLink"><br /></a></td> </tr> </tbody></table></td> </tr> <tr> <td class="smText" background="" bgcolor="#f8f8fc" valign="top"> <a name="15057"></a> <span class="bold">E. Normis</span><br />Expert Member<br /><img src="http://www.pcmholdings.com/forum/forum_images/5_star_rating.gif" alt="Expert Member" /><br /><img src="http://www.geocities.com/e_normis_debtor/phoebe.gif" alt="Avatar" onerror="this.src='forum_images/blank.gif', height='0';" height="64" vspace="5" width="64" /><br /><br />Joined: October 12 2004<br />Location: United States<br />Online Status: Offline<br />Posts: 1607 </td> <td class="text" background="" bgcolor="#f8f8fc" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td class="smText" width="80%">Posted: October 19 2006 at 1:03pm | IP Logged </td> <td align="right" nowrap="nowrap" width="20%"> <a href="http://www.pcmholdings.com/forum/edit_post.asp?M=Q&PID=15057&TPN=1"><br /></a> </td> </tr> <tr> <td colspan="2"><hr /></td> </tr> </tbody></table> <!-- Message body --> <p>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 <a href="http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?p=708786&posted=1#post708786" target="_blank">The Blog</a>.</p> <p><a href="http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?p=708786&posted=1#post708786" target="_blank">Here's an one example</a>.</p> <p>Go ahead, try it <img src="http://www.pcmholdings.com/forum/smileys/smiley36.gif" border="0" /></p> <p> </p><span class="smText"><br /><br />Edited by E. Normis on October 19 2006 at 1:08pm</span><!-- Signature --><br /><br />__________________<br />you need to study....how to properly deny the truth -- <strong>Creditwrench CEO Billie Bauer 9/13/06</strong><br /></td></tr></tbody> </table><br /><br /><h2>What is this new method he plans to use?</h2><br />HERE IT IS.<br /><br /><a href="http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=259159">MORE SPAM, OF COURSE BECAUSE THAT IS ALL HE KNOWS HOW TO DO!</a><br /><br /><table class="tborder" id="post708786" align="center" border="0" cellpadding="6" cellspacing="1" width="100%"><tbody><tr><td class="thead"><div class="normal"><a name="post708786"><img class="inlineimg" src="http://www.debt-consolidation-credit-repair-service.com/forums/images/styles/bluedeluxe/statusicon/post_old.gif" alt="Old" title="Old" border="0" /></a> Yesterday, 11:58 AM <!-- / status icon and date --> </div> </td> </tr> <tr> <td class="alt2" style="padding: 0px;"> <!-- user info --> <table border="0" cellpadding="0" cellspacing="6" width="100%"> <tbody><tr> <td nowrap="nowrap"> <div id="postmenu_708786"> <a class="bigusername" href="http://www.debt-consolidation-credit-repair-service.com/forums/member.php?u=61921">E. Normis Debtor</a> <img class="inlineimg" src="http://www.debt-consolidation-credit-repair-service.com/forums/images/styles/bluedeluxe/statusicon/user_offline.gif" alt="E. Normis Debtor is offline" title="E. Normis Debtor is offline" border="0" /> </div> <div class="smallfont">Senior Member</div> <div class="smallfont"><b>Quite Learned</b></div> </td> <td width="100%"><br /></td> <td nowrap="nowrap" valign="top"> <div class="smallfont"> <div>Join Date: Jul 2006</div> <div><blink><span style="color:red;"><b>Location: Oklahoma</b></span></blink></div> <div> Posts: 240 </div> <div><img class="inlineimg" src="http://www.debt-consolidation-credit-repair-service.com/forums/images/styles/bluedeluxe/reputation/reputation_pos.gif" alt="E. Normis Debtor Member of the club" title="E. Normis Debtor Member of the club" border="0" /></div> <div> </div> </div> </td> </tr> </tbody></table> <!-- / user info --> </td> </tr> <tr> <td class="alt1" id="td_post_708786"> <!-- message, attachments, sig --> <!-- icon and title --> <div class="smallfont"> <img class="inlineimg" src="http://www.debt-consolidation-credit-repair-service.com/forums/images/icons/icon1.gif" alt="Default" title="Default" border="0" /> </div> <hr style="color: rgb(236, 232, 219);" size="1"> <!-- / icon and title --> <!-- message --> <div id="post_message_708786">I suggest a thorough reading of Johnson v. MBNA. Go to <a href="http://creditwench-thetruth.blogspot.com/" target="_blank">The Blog</a> and you'll find the link under "frequently requested cases".</div> <!-- / message --> <!-- sig --> <div> __________________<br /><a href="http://www.creditwench-thetruth.blogspot.com/" target="_blank">The truth about Creditwrench</a> </div> <!-- / sig --> <div align="right"> <!-- controls --> </div></td></tr></tbody></table><br /><h2>Caught like a rat in a trap!</h2><table class="tborder" id="post708844" align="center" border="0" cellpadding="6" cellspacing="1" width="100%"><tbody><tr><td class="thead"><div class="normal"><a name="post708844"><img class="inlineimg" src="http://www.debt-consolidation-credit-repair-service.com/forums/images/styles/bluedeluxe/statusicon/post_old.gif" alt="Old" title="Old" border="0" /></a> Yesterday, 02:51 PM <!-- / status icon and date --> </div> </td> </tr> <tr> <td class="alt2" style="padding: 0px;"> <!-- user info --> <table border="0" cellpadding="0" cellspacing="6" width="100%"> <tbody><tr> <td nowrap="nowrap"> <div id="postmenu_708844"> <a class="bigusername" href="http://www.debt-consolidation-credit-repair-service.com/forums/member.php?u=62575">Max H</a> <img class="inlineimg" src="http://www.debt-consolidation-credit-repair-service.com/forums/images/styles/bluedeluxe/statusicon/user_offline.gif" alt="Max H is offline" title="Max H is offline" border="0" /> </div> <div class="smallfont">Junior Member</div> <div class="smallfont"><b>Believer in Synchronicity</b></div> </td> <td width="100%"><br /></td> <td nowrap="nowrap" valign="top"> <div class="smallfont"> <div>Join Date: Oct 2006</div> <div>Location: New York</div> <div> Posts: 1 </div> <div><img class="inlineimg" src="http://www.debt-consolidation-credit-repair-service.com/forums/images/styles/bluedeluxe/reputation/reputation_pos.gif" alt="Max H Member of the club" title="Max H Member of the club" border="0" /></div> <div> </div> </div> </td> </tr> </tbody></table> <!-- / user info --> </td> </tr> <tr> <td class="alt1" id="td_post_708844"> <!-- message, attachments, sig --> <!-- icon and title --> <div class="smallfont"> <img class="inlineimg" src="http://www.debt-consolidation-credit-repair-service.com/forums/images/icons/icon1.gif" alt="Default" title="Default" border="0" /> </div> <hr style="color: rgb(236, 232, 219);" size="1"> <!-- / icon and title --> <!-- message --> <div id="post_message_708844"><div style="margin: 5px 20px 20px;"> <div class="smallfont" style="margin-bottom: 2px;">Quote:</div> <table border="0" cellpadding="6" cellspacing="0" width="100%"> <tbody><tr> <td class="alt2" style="border: 1px inset ;"> <div>Originally Posted by <strong>E. Normis Debtor</strong></div> <div style="font-style: italic;">I suggest a thorough reading of Johnson v. MBNA. Go to <a href="http://creditwench-thetruth.blogspot.com/" target="_blank">The Blog</a> and you'll find the link under "frequently requested cases".</div> </td> </tr> </tbody></table> </div><br />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.<br /><br /><a href="http://caselaw.lp.findlaw.com/data2/circs/4th/031235p.pdf" target="_blank">Here is the link to the Johnson v. MBNA case </a> you would have just posted here if you weren't trying to spam the board.<br /><br />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.<br /><br />You ought to be ashamed of yourself.</div> <!-- / message --> <div align="right"> <!-- controls --> </div></td></tr></tbody></table><br /><br /><a href="http://www.technorati.com/tag/spam" rel="tag">spam</a><br /><a href="http://www.technorati.com/tag/spammer" rel="tag">spammer</a><br /><a href="http://www.technorati.com/tag/rat" rel="tag">rat</a><br /><a href="http://www.technorati.com/tag/squid" rel="tag">squid</a>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1161113343927596482006-10-17T14:28:00.000-05:002006-10-17T14:29:04.360-05:00Debt collectors who threaten to kill<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" alt="Collection Industry Magazine logo" border="0" width="300" /><br /><br /><p> From - Tue Oct 17 12:41:52 2006<br />X-UIDL: 5344ed65300a5f3ff7c<wbr>e25967e76eb12<br />X-Mozilla-Status: 0201<br />X-Mozilla-Status2: 00000000<br />Return-path: <forumadmin com=""><br />Envelope-to: ceo@creditwrench.<wbr>com<br />Delivery-date: Tue, 17 Oct 2006 11:38:45 -0600<br />Received: from smtx.webtrix.<wbr>net ([66.161.71.<wbr>10])<br />by box75.bluehost.<wbr>com with esmtps (TLSv1:AES256-<wbr>SHA:256)<br />(Exim 4.52)<br />id 1GZstp-00017z-<wbr>Bs<br />for ceo@creditwrench.<wbr>com; Tue, 17 Oct 2006 11:38:45 -0600<br />Received: from trixmail02.tothenet<wbr>.com [192.168.0.8]<br />by SMTX.Webtrix.<wbr>net<br />with XWall v3.38 ;<br />Tue, 17 Oct 2006 10:39:33 -0700<br />Received: from trixweb04.tothenet.<wbr>com ([192.168.0.<wbr>161]) by trixmail02.tothenet<wbr>.com with Microsoft SMTPSVC(6.0.<wbr>3790.1830)<wbr>;<br />Tue, 17 Oct 2006 10:39:33 -0700<br />Received: from trixweb01 ([192.168.0.<wbr>9]) by trixweb04.tothenet.<wbr>com with Microsoft SMTPSVC(6.0.<wbr>3790.1830)<wbr>;<br />Tue, 17 Oct 2006 10:39:33 -0700<br />thread-index: AcbyEzUBs83WAue+<wbr>RlugmknZDfHnZA=<wbr>=<br />Thread-Topic: PacHealthcare.<wbr>com Forums : MISC WRENCHIE MORONIC RANTS<br />From: "PacHealthcare.<wbr>com Forums" <forumadmin com=""><br />To: "Creditwrench" <ceo com=""><br />Subject: PacHealthcare.<wbr>com Forums : MISC WRENCHIE MORONIC RANTS<br />Date: Tue, 17 Oct 2006 10:39:33 -0700<br />Message-ID: 000001c6f213$<wbr>3501f920$<wbr>0900a8c0@<wbr>tothenet.<wbr>com><br />MIME-Version: 1.0<br />Content-Type: multipart/alternati<wbr>ve;<br />boundary="--<wbr>--=_NextPart_<wbr>000_0001_<wbr>01C6F1D8.<wbr>88A32120"<br />X-Mailer: Microsoft CDO for Windows 2000<br />Content-Class: urn:content-<wbr>classes:message<br />Importance: normal<br />Priority: normal<br />X-MimeOLE: Produced By Microsoft MimeOLE V6.00.3790.2757<br />X-OriginalArrivalTi<wbr>me: 17 Oct 2006 17:39:33.0385 (UTC) FILETIME=[34FBB790:<wbr>01C6F213]<br /><br />This is a multi-part message in MIME format.<br /><br />------=_NextPart_<wbr>000_0001_<wbr>01C6F1D8.<wbr>88A32120<br />Content-Type: text/plain;<br />charset="iso-<wbr>8859-1"<br />Content-Transfer-<wbr>Encoding: 7bit<br /><br />Forum: Off Topic Discussions<br />Topic: MISC WRENCHIE MORONIC RANTS<br />Posted By: Derek<br /><br />[QUOTE=E. Normis aka "Creditwrench-<wbr>thetruth"<wbr>]...anyone attempting to put a bullet through your thick skull may need to use armor piercing ammo.[/QUOTE]<br /><br />Too loud. Might attract attention. Better to use a knife blade into<br />the lungs from behind (between the ribs)...prevents the person from<br />screaming. Then a quick zip-strip around the neck and pull tight.<br /><br />That's the easy part. The challenge is disposing of the body so it's<br />never found.<br /><br />------=_NextPart_<wbr>000_0001_<wbr>01C6F1D8.<wbr>88A32120<br /></ceo></forumadmin></forumadmin></p>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1161030408595523332006-10-16T15:25:00.000-05:002006-10-16T15:26:49.166-05:00Abuse by debt collectors growing<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="300" border="0" alt="Collection Industry Magazine logo"><br /><br /><h1>Abuse by debt collectors growing</h1><br />Pa. consumer protection bureau reports 3,240 complaints in '06, the most of any industry tracked<br /><br />Sunday, October 15, 2006<br />By Patricia Sabatini, Pittsburgh Post-Gazette<br /><br />Bill collectors aren't exactly known for their genteel ways.<br /><br />Take the case in which a collection agency telephoned a woman's 5-year-old daughter, ordering her to tell her deadbeat mommy that she'd better pay her credit card bills.<br /><br />"Another customer had 12 messages at the office in one weekend. Another had 36 calls in one week," said David Sumner, senior deputy attorney general with Pennsylvania's Bureau of Consumer Protection.<br /><br />Such tactics are considered harassment and violate state and federal regulations intended to protect consumers from overzealous debt collectors, he said. Abusive practices such as repeated phone calls or the use of threatening or obscene language also continue to sully the debt collection industry, Mr. Sumner and other regulators say, even though a majority of collection agencies are reputable firms that work within the law.<br /><br />"We believe the mistreatment of consumers by debt collectors is a serious problem," said Tom Kane, an attorney with the Federal Trade Commission's division of financial practices.<br /><br />Complaints about debt collectors have risen in recent years at the state and national level, both in absolute terms and as a percentage of overall complaints. Still, it's hard to know if the increase is because bill collectors are getting worse, or simply because more people are complaining.<br /><br />In Pennsylvania so far this year, the consumer protection bureau logged 3,240 complaints about debt collectors, the most of any industry. The tally outpaced the broader categories of telecommunications (second with 3,155 complaints) and buying services (third with 2,827), a segment that includes such things as gift certificates, coupons, rebates and contests.<br /><br />While some gripes come from people searching for a loophole to skirt their debts or who simply don't like being reminded they owe money, many complaints are prompted by bill collectors stepping over the line, regulators said.<br /><br />Sometimes, the problem lies with a "rogue" employee at an otherwise reputable company.<br /><br />"If its an upright company, it will discipline the employee or let them go," Mr. Sumner said.<br /><br />In Pennsylvania, complaints are often about bill collectors calling too often or taking aggressive actions, such as contacting a neighbor, relative or boss to pressure payment, Mr. Sumner said.<br /><br />Under state law, which essentially mirrors federal regulations, debt collectors generally can't discuss the debt with anyone other than the debtor or the debtor's attorney.<br /><br />Bill collectors also can't use threats of harm or obscene or profane language, and may not contact the debtor before 8 a.m. or after 9 p.m. or use the telephone to annoy.<br /><br />Collectors also are prohibited from making false or misleading statements, such as implying that the debtor will be arrested, or that the creditor will file a lawsuit when it can't or doesn't intend to do so.<br /><br />Threats about garnishing wages also often violate the law, Mr. Sumner said, since the state allows garnishing in only special cases, such as for child support and back taxes.<br /><br />Experts advise consumers contacted by a bill collector to write a letter requesting verification of the debt. Mistakes are made, so the collection agency simply could have the wrong person.<br /><br />"I pity the John Smiths of the world because they probably are getting collection calls for other people," Mr. Sumner said.<br /><br />Consumers who don't believe they owe the money should dispute the claim by certified mail within 30 days of receiving the collection notice.<br /><br />Consumers also can stop a debt collector from making further contact by writing a so-called "shut-up" notice demanding that communications cease. The approach doesn't make the debt go away, however, and could push the creditor into suing.<br /><br />"That's a powerful tool, but probably best used when the consumer doesn't owe the debt," Mr. Kane said.<br /><br />Consumers who believe they've been victimized by a debt collector can file a complaint with the state consumer protection bureau or the FTC, which rely on tips to build cases against offenders by establishing a pattern of abuse.<br /><br />Consumers also have the right to sue within one year of the alleged violation.<br /><br />Of course, many problems can be avoided by contacting creditors directly to work out a repayment plan at the first sign of having difficulty paying a bill.<br /><br />Even so, consumers who fall behind shouldn't have to endure lies and abuse, regulators said.<br /><br />"We expect companies to be reasonable in their debt collection activities. We don't want to hear they are harassing people," Mr. Sumner said.<br /><br />"It's a legal business and they serve a role. We're just asking that they comply with the law."<br /><br />(Patricia Sabatini can be reached at psabatini@post-gazette.com or 412-263-3066. )Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1160871361497370022006-10-14T19:14:00.000-05:002006-10-14T19:16:02.823-05:00Debt Collector threatens murder again.<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" alt="Collection Industry Magazine logo" border="0" width="300" /><br /><br /><h2 class="date-header">Saturday, October 14, 2006</h2> <!-- Begin .post --> <a name="116087033572192948"></a> <table border="0" cellpadding="3" cellspacing="1" width="80%"><tbody><tr><td class="tHeading" background="forum_images/table_bg_image.gif" bgcolor="#a6aad3" nowrap="nowrap" width="22%"><br /></td> </tr> <tr> <td class="smText" bg="" style="color: rgb(248, 248, 252);" background="" valign="top"><span class="bold">Derek</span><br />Wanted Criminal<br /> <img src="http://www.pcmholdings.com/forum/forum_images/5_star_rating.gif" alt="Wanted Criminal" /><br /><img src="http://www.pcmholdings.com/forum/uploads/Derek/2005-03-11_170103_fire.gif" alt="Avatar" onerror="this.src='forum_images/blank.gif', height='0';" height="64" vspace="5" width="64" /><br /><br />Joined: October 12 2004<br />Location: United States<br />Online Status: Offline<br />Posts: 1005 </td> <td class="text" background="" bgcolor="#f8f8fc" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td class="smText" width="80%">Posted: October 14 2006 at 3:53pm | IP Logged </td> <td align="right" nowrap="nowrap" width="20%"> <br /></td> </tr> <tr> <td colspan="2"><hr /></td> </tr> </tbody></table> <!-- Message body --> I have been given the honor of guest authoring a blog entry on Normie's <a href="http://www.creditwrench-the-truth.blogspot.com/" target="_blank">blog</a> dedicated to exposing CREDITWRENCH CEO Billie Bauer for the con-man and scam artist that he is.<br /><br />Normie, the following post may be a bit lengthy for your blog, so you are welcome to edit it as you feel is appropriate:<br /><br /><p style="text-align: justify; color: rgb(0, 0, 255);">"In a discussion today with CREDITWRENCH CEO Billie Bauer,<br /><br /><span style="font-style: italic;"><span style="font-weight: bold;"><span style="color: rgb(204, 0, 0);">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.<br /><br /><br />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.</span></span></span><br /><br />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,<br /></p><p style="text-align: justify; color: rgb(0, 0, 255);"><span style="color: rgb(255, 0, 0); font-style: italic; font-weight: bold;">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.<br /><br /><br />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.<br /><br />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.<br /><br />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?<br /><br />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.<br /><br />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.<br /><br />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.<br /></span><br /></p><p style="text-align: justify; color: rgb(0, 0, 255);">and report these lawsuits against consumer credit reports as <b><u>Judgments</u></b>.<span style=""> </span>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.<span style=""> </span><br /><br /><span style="color: rgb(255, 0, 0);"><span style="font-weight: bold; font-style: italic;">This is</span><span style="color: rgb(255, 0, 0); font-style: italic; font-weight: bold;">so 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.</span></span><br /><br /><br />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.<br /><br /><span style="font-weight: bold;"><span style="font-style: italic;"><span style="color: rgb(255, 0, 0);">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. </span></span></span><br /></p> <p style="text-align: justify; color: rgb(0, 0, 255);"><!--[if !supportEmptyParas]--> <o:p></o:p></p> <p style="text-align: justify; color: rgb(0, 0, 255);"><!--[if !supportEmptyParas]--> <o:p></o:p></p>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.<br /><br />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.<br /><br />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.<br /><br />And then he threatens reprisal by murder again.<br /><br /><span class="bold">Derek</span><br />Expert Member<br /> <img src="http://www.pcmholdings.com/forum/forum_images/5_star_rating.gif" alt="Expert Member" /><br /><img src="http://www.pcmholdings.com/forum/uploads/Derek/2005-03-11_170103_fire.gif" alt="Avatar" onerror="this.src='forum_images/blank.gif', height='0';" height="64" vspace="5" width="64" /><br /><br />Joined: October 12 2004<br />Location: United States<br />Online Status: Offline<br />Posts: 1006 <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td class="smText" width="80%">Posted: October 14 2006 at 4:06pm | IP Logged </td> <td align="right" nowrap="nowrap" width="20%"> <a href="http://www.pcmholdings.com/forum/edit_post.asp?M=Q&PID=15005&TPN=1"><br /></a> </td> </tr> <tr> <td colspan="2"><hr /></td> </tr> </tbody></table> <!-- Message body --> <table align="center" border="0" cellpadding="0" cellspacing="0" width="95%"> <tbody><tr><td class="bold">Creditwrench wrote:<br /> <table bgcolor="#999999" border="0" cellpadding="1" cellspacing="0" width="100%"> <tbody><tr> <td><table bgcolor="#ffffff" border="0" cellpadding="2" cellspacing="0" width="100%"> <tbody><tr> <td class="text">Oh goodie! More material for all my blogs, egroups and wikis.</td> </tr> </tbody></table></td> </tr> </tbody></table></td> </tr> </tbody></table><br />....that nobody reads but you. <img src="http://www.pcmholdings.com/forum/smileys/smiley36.gif" border="0" /><br /><br />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.<br /><br />...or should I say, nobody WILL be listening when you'll be in the desert one night? Heh heh heh....<br /><br /><br /><!-- Signature --><br /><br />__________________<br />The real question is whether you are capable of murder? ..I think you are.<br />...you very well might kill...Yeah, Derek, I think you are capable of murder. - Billie Bauer, CreditWrench CEO, 09/12/06</td></tr></tbody></table>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1160837065859782592006-10-14T09:42:00.000-05:002006-10-14T09:44:26.856-05:00A great new face lift for the blog called "Creditwrench-thetruth"<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" alt="Collection Industry Magazine logo" border="0" width="300" /><br /><br /><img src="http://www.themostwantedcriminals.com/cwthetruth10-14-06.jpg" />Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1160477957193743962006-10-10T05:58:00.000-05:002006-10-10T05:59:18.756-05:00Collection Agency joke of the day<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" alt="Collection Industry Magazine logo" border="0" width="300" /><br /><br />Talk about a Rip-off! This piece of junk isn't worth 20 cents and this idiot wants $20,000?<br /><br /><span class="bold">Admin</span><br />Admin Group<br /> <img src="http://www.pcmholdings.com/forum/forum_images/5_star_rating.gif" alt="Admin Group" /><br /><img src="http://www.pcmholdings.com/forum/avatars/white_face.jpg" alt="Avatar" onerror="this.src='forum_images/blank.gif', height='0';" height="64" vspace="5" width="64" /><br /><br />Joined: October 01 2003<br />Location: Antarctica<br />Online Status: Offline<br />Posts: 65 <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td class="smText" width="80%">Posted: October 09 2006 at 4:38pm | IP Logged </td> <td align="right" nowrap="nowrap" width="20%"> <a href="http://www.pcmholdings.com/forum/edit_post.asp?M=Q&PID=14952&TPN=1"><img src="http://www.pcmholdings.com/forum/forum_images/quote_icon.gif" alt="Quote Admin" align="middle" border="0" /></a> </td> </tr> <tr> <td colspan="2"><hr /></td> </tr> </tbody></table> <!-- Message body --> <p> </p> <p>Hello All. We recently changed our business structure and we have decided to sell the entire PCMHoldings website (This entire website), for approximately 15k. </p> <p>If interested, call 1 (714) 965-5950, or send send an email to <a href="mailto:RyanEvans@aol.com" target="_blank">RyanEvans@aol.com</a> </p> <p>Thanks,</p> <p>RE </p> <p> </p>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1160273860352395712006-10-07T21:17:00.000-05:002006-10-07T21:17:41.283-05:00Creditwrench-thetruth off on another toot.<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="300" border="0" alt="Collection Industry Magazine logo" /><br /><br /><br /><p>First he posts a file showing where he got sued in Utah for defaming another company and falsely using their good name or variations of it and claims he just found it. Here is the caption of the case he purportedly "found".</p> <br /><br /><p><img src="http://static.flickr.com/92/263434197_26a7d46f98.jpg?v=0"></p> <br /><br /><p>You will notice that one of the trade names used by Paisola is Global Media Domain Trust, a Singaporean business entity. Another of his false identities, Creditwrench-thetruth, calling himself "consumer_advocate" registered on the <a href="http://consumers.creditwrench.com">CREDITWRENCH MESSAGE FORUM</a> on Saturday, October 07, 2006 at approximately 1:30 P.M. using the email address consumer_advocate@singapore.com and using an I.P. address that actually traces back to Singapore posted a very large amount of spam advertising his scam blog at creditwrench-thetruth on blogspot.<br><br> </p> <br />His next move was to go over to pcmholdings.com and post the following: <br /><p>Author Message << Prev Topic | Next Topic >></p><br /><br /><p> E. Normis<br>Expert Member<br>Joined: October 12 2004<br>Location: United States<br>Online Status:<br>Online Posts: 1564<br>Posted: October 07 2006 at 4:21pm<br>| IP Logged</p><br /><br /><p> I'm guessing this guy was a Creditwrench student at one time. </p><br /><br /><p>http://www.geocities.com/e_normis_debtor/westerncapital.pdf</p><br /><br /><p> __________________ </p><br /><br /><p>you need to study....how to properly deny the truth -- Creditwrench CEO Billie Bauer 9/13/06</p><br /><br /><p> World's #1 Blog about Creditwrench</p><br /><br /><p> E. Normis<br>Expert Member<br>Joined: October 12 2004<br>Location: United States<br>Online Status: Online<br>Posts: 1564<br>Posted: October 07 2006 at 7:24pm<br>| IP Logged</p><br /><br /><p> BTW, when was he served?</p><br /><br /><p> Edited by E. Normis on October 07 2006 at 7:25pm </p><br /><br /><p>__________________ </p><br /><br /><p>you need to study....how to properly deny the truth -- Creditwrench CEO Billie Bauer 9/13/06</p><br /><br /><p> World's #1 Blog about Creditwrench</p><br /><br /><p> Posted: October 07 2006 at 7:30pm<br>| IP Logged</p><br /><br /><p> E. Normis wrote: Guess you must have found it on pacer along with state statutes. Already been exposed. Go ahead, try it</p><br /><br /><p></p><br /><br /><p> To which Creditwrench replied:</p><br /><br /><p> No, I knew about it before it was ever filed.</p><br /><br /><p> __________________</p><br /><br /><p> How many ways do I love you characters? Here are just a very few This link updates automatically every day! </p><br /><br /><p> E. Normis|<br>Expert Member<br>Joined: October 12 2004<br>Location: United States<br>Online Status: Online<br>Posts: 1564<br>Posted: October 07 2006 at 7:42pm<br>| IP Logged </p><br /><br /><p>Can't do it, eh? Goody, more blog material</p><br /><br /><p></p><br /><br /><p> And that is all it takes for "E. Normis Debtor" (Robert Paisola?) to go on another spamming binge spreading his false and totally misleading information on many message forums all over the internet.</p><br /><br /><p> We have proven that he is a sex pervert, a spammer, a liar, a thief, a coward and much, much more. </p><br /><br /><p>Nobody puts any credibility into people who do those kinds of things or have been convicted of sex crimes and parole violation. These kinds of people never learn.</p>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1160172774700408852006-10-06T17:11:00.000-05:002006-10-06T17:12:55.150-05:00Robert Paisola and Creditwrench-thetruth - One and the same?<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="300" border="0" alt="Collection Industry Magazine logo"><br /><br />[QUOTE=E. Normis] <p>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.</p> [/QUOTE]<br /><br />Priceless!<br /><br /><img src="http://www.themostwantedcriminals.com/RobertPaisola-cwthetruthconnection.JPG" /><br /><br /><t></t><t></t> <table cellpadding="0" cellspacing="0" border="0" width="770"> <tbody><tr valign="top"><td rowspan="4" width="188"><a href="http://www.collectionindustry.com/index.cfm" target="_blank"><img src="http://www.collectionindustry/images/nav/clxn_logo.gif" width="188" height="74" alt="CollectionIndustry" border="0" /></a></td> <td colspan="2"><img src="http://www.collectionindustry.com/images/spacer.gif" width="1" height="10" alt="" border="0" /> <t></t><t></t><table border="0" width="100%" cellpadding="0"> <tbody><tr> <td> <br /></td> <td align="right"> <br /></td> </tr> </tbody></table></td> </tr> <tr valign="bottom"> <td height="17"><img 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cellpadding="0" border="0" style="height: 18px; width: 1px;"> <tbody><tr> <td nowrap="nowrap"><br /></td> </tr> </tbody></table> </td> <td valign="top"> <t></t><t></t><table width="100%"> <tbody><tr valign="top"> <td> <br /></td> <td> <br /></td> </tr> </tbody></table> <center> <t></t><t></t><table border="0" cellpadding="0" cellspacing="0" width="97%"><tbody><tr><td> <br /></td></tr></tbody></table> <t></t><t></t><table border="0" cellpadding="0" cellspacing="0" width="97%"> <tbody><tr> <td align="left" valign="top"> <table border="0" cellpadding="0" cellspacing="0"> </table> <img src="http://www.collectionindustry.com/forum/i/dominant/block.gif" height="2" width="1" /> </td> <td align="right" valign="bottom"> <> <t></t><t></t><table border="0" cellpadding="0" cellspacing="0"> <tbody><tr> <td> <span style=""> </span><br /></td> </tr> </tbody></table> <img src="http://www.collectionindustry.com/forum/i/dominant/block.gif" height="3" width="1" /><br /> <t></t><t></t><table border="0" cellpadding="2" cellspacing="2"> <tbody><tr> <td><t></t><t></t><table border="0" cellpadding="2" cellspacing="0"><tbody><tr><td id="menuopt1" nowrap="nowrap"> <br /></td> </tr></tbody></table></td> <td><t></t><t></t><table border="0" cellpadding="2" cellspacing="0"><tbody><tr><td id="menuopt4" nowrap="nowrap"><a href="http://www.collectionindustry.com/forum/messagepost.cfm?catid=15&postaction=post" class="ftmenulink" title="New Topic" target="_blank"><br /></a></td></tr></tbody></table></td> <td><t></t><t></t><table border="0" cellpadding="2" cellspacing="0"><tbody><tr><td id="menuopt6"><br /></td></tr></tbody></table></td> <td><t></t><t></t><table border="0" cellpadding="2" cellspacing="0"><tbody><tr><td id="menuopt8"><br /></td></tr></tbody></table></td> <td><t></t><t></t><table border="0" cellpadding="2" cellspacing="0"><tbody><tr><td id="menuopt9"><br /></td></tr></tbody></table></td> <td><t></t><t></t><table border="0" cellpadding="2" cellspacing="0"><tbody><tr><td id="menuopt11"><br /></td></tr></tbody></table></td> </tr> </tbody></table> <img src="http://www.collectionindustry.com/forum/i/dominant/block.gif" height="2" width="1" /><br /> </td> </tr> </tbody></table> <a name="top"> </a><t></t><t></t><table border="0" cellpadding="3" cellspacing="1" width="97%"> <tbody><tr> <td colspan="2" nowrap="nowrap" valign="top" width="100%"> <t></t><t></t><table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td width="50%" align="left" nowrap="nowrap" colspan="2"><span><a href="http://www.collectionindustry.com/forum/index.cfm?nocookies=yes" class="ftheaderbarlink" target="_blank"><strong>FORUMS</strong></a> > <a href="http://www.collectionindustry.com/forum/categories.cfm?catid=15" class="ftheaderbarlink" target="_blank"><strong>OFF-TOPIC DISCUSSION</strong></a></span></td> <td align="right" width="50%" nowrap="nowrap"> <span> </span><br /></td> </tr> </tbody></table> </td> </tr> <tr> <td colspan="2"> <span> <b>Thread Title</b>: Had to give this its own thread<br /> <b>Created On</b> Friday 09/15/06 12:41 PM <img src="http://www.collectionindustry.com/forum/i/dominant/trans.gif" border="0" width="1" height="5" /><br /> </span></td> </tr> </tbody></table> <a name="top"> </a><t></t><t></t><table border="0" cellpadding="1" cellspacing="0" width="97%"> <tbody><tr> <td valign="top" width="1%" wrap=""> <a name="47267"> </a><center> <a name="47267"> <span> <img src="http://www.collectionindustry.com/forum/i/dominant/trans.gif" border="0" width="120" height="1" /><br /> <br /> <b>BuckShotMgraw</b><br />Senior Member<br /> <img src="http://www.collectionindustry.com/forum/i/dominant/trans.gif" border="0" width="1" height="8" /><br /> <span style=";font-family:Arial,Verdana,Helvetica;font-size:78%;">Posts: 415<br /> Joined: Jun 2005</span> </span></a><p> <a name="47267"><span> </span></a></p></center></td> <td align="right" valign="top" width="99%"> <t></t><t></t><table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td width="20%" nowrap="nowrap" valign="top" align="left"> <img src="http://www.collectionindustry.com/forum/i/ratingicons/note.gif" hspace="3" border="0" align="middle" /> <span> Friday 09/15/06 12:41 PM </span></td> <td width="80%" valign="top" align="right"> <t></t><t></t><table border="0" height="18" cellpadding="0" cellspacing="0"> <tbody><tr> <td width="18" valign="top"><img src="http://www.collectionindustry.com/forum/i/dominant/thread-header-start.gif" border="0" width="18" height="20" /><br /></td> <td valign="top"><img src="http://www.collectionindustry.com/forum/i/dominant/thread-header-table-background.gif" border="0" width="8" height="20" /></td> <td valign="top"><img src="http://www.collectionindustry.com/forum/i/icons/toolbar_offline.gif" border="0" alt="User is offline" /></td> <td valign="top"><img src="http://www.collectionindustry.com/forum/i/dominant/thread-header-table-background.gif" border="0" width="10" height="20" /></td> <td valign="top"><a href="http://www.pcmholdings.com/forum/javascript%20winopen%27textthread.cfm?catid=15&amp;amp;amp;threadid=5725%27,%27textformat%27,%27700%27,%27500%27;" target="_blank"><img src="http://www.collectionindustry.com/forum/i/icons/toolbar_print.gif" border="0" alt="View thread in raw text format" /></a></td> <td valign="top"><img src="http://www.collectionindustry.com/forum/i/dominant/thread-header-table-background.gif" border="0" width="4" height="20" /></td> </tr> </tbody></table> </td> </tr> <tr> <td valign="top" colspan="2"> <span> <img src="http://www.collectionindustry.com/forum/i/dominant/block.gif" border="0" height="4" width="1" /><br /> <a target="new" class="ftalternatingbarlinklarge" href="http://graphics2.snopes.com/risque/graphics/mantle.pdf">CHECK THIS OUT</a><br /><br />HEHEHE<br />BSM <b><br /><br />-------------------------<br /></b> "I see you're a collection attorney in Texas."-JDBFM asking TX Debt atty a serious question<br />"I have my share of credit cards, I just perfer not to use them."- lexis is nexis<br />" I agree with you 100% ... Buckshot." Divide & Conquer </span> </td> </tr> </tbody></table> </td> </tr> <tr> <td><img src="http://www.collectionindustry.com/forum/i/dominant/trans.gif" border="0" height="1" width="1" /></td> <td valign="bottom"> <t></t> <t></t><table border="0" width="100%" cellpadding="0" cellspacing="0"> <tbody><tr><td width="50%" align="left"> <br /></td> <td width="50%" align="right" valign="bottom"> <t></t><t></t><table border="0" width="1%" cellpadding="0" cellspacing="0"> <tbody><tr> <td width="18"><img src="http://www.collectionindustry.com/forum/i/dominant/thread-footer-start.gif" border="0" width="18" height="16" /><br /></td> <td width="20" background="i/dominant/thread-footer-table-background.gif"><br /></td> <td width="40" background="i/dominant/thread-footer-table-background.gif" nowrap="nowrap"><br /></td> <td width="40" background="i/dominant/thread-footer-table-background.gif" nowrap="nowrap"><br /></td> <td width="40" background="i/dominant/thread-footer-table-background.gif" nowrap="nowrap"><br /></td> <td width="45" background="i/dominant/thread-footer-table-background.gif" nowrap="nowrap"><br /></td> <td width="20" background="i/dominant/thread-footer-table-background.gif"><img src="http://www.collectionindustry.com/forum/i/dominant/trans.gif" border="0" width="20" height="1" /></td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> <a name="top"> <img src="http://www.collectionindustry.com/forum/i/dominant/trans.gif" border="0" height="2" width="1" /><br /> </a><t></t><t></t><table border="0" cellpadding="1" cellspacing="0" width="97%"> <tbody><tr> <td valign="top" width="1%" wrap=""> <a name="47320"> </a><center> <a name="47320"> <span> <img src="http://www.collectionindustry.com/forum/i/dominant/trans.gif" border="0" width="120" height="1" /><br /> <br /> <b>E. Normis Debtor</b><br />Senior Member<br /> <img src="http://www.collectionindustry.com/forum/i/dominant/trans.gif" border="0" width="1" height="8" /><br /> <span style=";font-family:Arial,Verdana,Helvetica;font-size:78%;">Posts: 2171<br /> Joined: Jun 2004</span> </span></a><p> <a name="47320"><span> </span></a></p></center></td> <td align="right" valign="top" width="99%"> <t></t><t></t><table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td width="20%" nowrap="nowrap" valign="top" align="left"> <img src="http://www.collectionindustry.com/forum/i/ratingicons/note.gif" hspace="3" border="0" align="middle" /> <span> Monday 09/18/06 11:05 PM </span></td> <td width="80%" valign="top" align="right"> <t></t><t></t><table border="0" height="18" cellpadding="0" cellspacing="0"> <tbody><tr> <td valign="top"><a href="http://www.pcmholdings.com/forum/javascript%20winopen%27textthread.cfm?catid=15&amp;amp;amp;threadid=5725%27,%27textformat%27,%27700%27,%27500%27;" target="_blank"><br /></a></td> <td valign="top"><img src="http://www.collectionindustry.com/forum/i/dominant/thread-header-table-background.gif" border="0" width="4" height="20" /></td> </tr> </tbody></table> </td> </tr> <tr> <td valign="top" colspan="2"> <span> <img src="http://www.collectionindustry.com/forum/i/dominant/block.gif" border="0" height="4" width="1" /><br /> Awesome <img src="http://www.collectionindustry.com/forum/i/expressions/face-icon-small-smile.gif" border="0" /> <b><br /><br />-------------------------<br /></b> you need to study....how to properly deny the truth -- <b>Creditwrench CEO Billie Bauer 9/13/06<br /><br /><a target="new" class="ftalternatingbarlinklarge" href="http://creditwrench-thetruth.blogspot.com/">Creditwrench - The truth</a> </b></span> <b> </b></td> </tr> </tbody></table> </td> </tr> <tr> <td valign="bottom"> <t></t> <t></t><table border="0" width="100%" cellpadding="0" cellspacing="0"> <tbody><tr><td width="50%" align="left"> <br /></td> <td width="50%" align="right" valign="bottom"> <t></t><t></t><table border="0" width="1%" cellpadding="0" cellspacing="0"> <tbody><tr> <td width="20" background="i/dominant/thread-footer-table-background.gif"><br /></td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> <a name="top"> <img src="http://www.collectionindustry.com/forum/i/dominant/trans.gif" border="0" height="2" width="1" /><br /> </a><t></t><t></t><table border="0" width="97%" cellspacing="0"> <tbody><tr> <td align="left" width="100%" height="18"> <t></t><t></t><table border="0" cellpadding="2" cellspacing="0" width="100%"> <tbody><tr> <td width="50%" align="left" nowrap="nowrap" colspan="2"><span><a href="http://www.collectionindustry.com/forum/index.cfm?nocookies=yes" class="ftheaderbarlink" target="_blank"><strong>FORUMS</strong></a> > <a href="http://www.collectionindustry.com/forum/categories.cfm?catid=15" class="ftheaderbarlink" target="_blank"><strong>OFF-TOPIC DISCUSSION</strong></a></span></td> <td align="right" width="50%" nowrap="nowrap"> <span> </span><br /></td> </tr> </tbody></table> </td> </tr> </tbody></table> <center><a name="top"></a></center></center></td></tr> </tbody> </table><br /><br />Normie's avatar<br /><br /><img src="http://www.geocities.com/e_normis_debtor/phoebe.gif" width="200" height="200" border="0" />Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1159962902659481832006-10-04T06:55:00.000-05:002006-10-04T07:01:00.066-05:00FDCPA Rule changes exerpted from the Thomas Library.A recent furor has erupted about whose version of the new FDCPA rule<br />changes is the correct version.<p></p><a href="http://consumers.creditwrench.com">The Creditwrench message forum</a> first exerpted portions of the proposed<br />new FDCPA changes which was taken from the Kaulkin-Ginsberg press<br />release which loudly proclaimed their participation and effectiveness<br />in getting the new legislation passed into law. Creditwrench obviously<br />knew that the Kaulkin-Ginsberg release had to be false and misleading<br />and his purpose was to expose that fact.</p><p class="mobile-post">Later, a pediantic moron who calls himself "creditwrench-thetruth"<br />posted equally putrid garbage about what he claimed to have obtained<br />from the Library of Congress but was also full of false and misleading<br />information as usual.</p><p class="mobile-post">The correct version, also later posted by creditwrench on his forum and<br />herein copied from the creditwrench message board and the Thomas<br />Library follows.</p><p class="mobile-post">Creditwrench<br />Administrator</p><p class="mobile-post">Join Date: Oct 2004<br />Posts: 1,363<br />Re: FDCPA Changes<br />Now then, here is the actual wording of the portion of the bill which<br />is applicable to FDCPA. As you can see there seem to be some<br />differences between the press release put out by the Caulkin-Groansberg<br />gag-rag for the benefit of it's ACA (American Criminals Association)<br />members.</p><p class="mobile-post">802. Other Amendments<br />This section makes amendments to the FDCPA. These include:<br />(1) a clarification that formal pleadings are not initial<br />communications;<br />(2) an exception to the definition of initial communication for forms<br />or notices that do not relate to the collection of a debt and are<br />required by the Internal Revenue Code of 1986, Title V of the GLBA, or<br />Federal or State law relating to notice of data security breach or<br />privacy; and</p><p class="mobile-post">(3) a clarification that debt collection activities and communications<br />may continue during the 30-day validation period as long as they do not<br />overshadow or are inconsistent with the disclosure of the consumer's<br />right to dispute the debt or request the name and address of the<br />original creditor.</p><p class="mobile-post">Now then, as can be seen by checking the differences between the actual<br />wording of the bill and the hype and hoopla put out by<br />Caulkin-Groansberg and their ACA (American Criminals Association)<br />things are not quite as they would like consumers to believe that they<br />are.</p><p class="mobile-post">Caulkin-Groansberg put out their gagrag article loudly proclaiming how<br />much good they had done for their "hood" by working closely with<br />legislators to get the new revisions to FDCPA passed in order to<br />lighten the burdens put upon the collection industry by an old and<br />outmoded FDCPA which sorely needed revamping.</p><p class="mobile-post">Looks more like hogwash to me. As can be readily seen, they just<br />reported the first part of the legislation but didn't talk about the<br />part underlined in red above. It is that latter part in underlined red<br />type that is the actual key to the whole thing. They can't overshadow<br />in the process in anyway and what constitutes overshadowing has already<br />been well defined by numerous court decisions.</p><p class="mobile-post">It also puts the further burden on them which is that their actions may<br />not be inconsistent with the disclosure of the consumer's right to<br />dispute the debt or request the name and address of the original<br />creditor.</p><p class="mobile-post">What it looks like to me is a ready made trap for the overzealous<br />criminal rather than bringing any great new benefits to America's Most<br />Wanted Criminals.</p><p class="mobile-post">What we will have to do is to be certain that we are more keenly<br />attuned to exactly what is and is not overshadowing or what may or may<br />not be adjudged to be interference with our right to dispute the debt<br />or any portion thereof.</p><p class="mobile-post">What is also inherently obvious in the comparison between the<br />Caulkin-Groansburg gagrag version and the actual wording is that C-G<br />did not read or comprehend the full text but rather in it's rush to<br />publish rubbish chose to ignore the real truth of the matter in order<br />to further enhance their bragging.<br />__________________________________________________ _____<br />Someone else claims that this version they found somewhere is<br />The actual wording of the newly ammended FDCPA is as follows:</p><p class="mobile-post">Collection activities and communications that do not otherwise violate<br />this title may continue during the 30-day period referred to in<br />subsection</p><p class="mobile-post">(a) unless the consumer has notified the debt collector in writing that<br />the debt , or any portion of the debt , is disputed or that the<br />consumer requests the name and address of the original creditor. Any<br />collection activities and communication during the 30-day period may<br />not overshadow or be inconsistent with the disclosure of the consumer's<br />right to dispute the debt or request the name and address of the<br />original creditor.</p><p class="mobile-post">This latter is also false and misleading information, but when we<br />consider the source, we would expect nothing less. Either way, there<br />are no really essential changes in the wording of the two versions. The<br />only real difference is in the original caulkin-groansberg press<br />release version which just goes to prove that you can't believe<br />anything a debt collector or anyone associated with a debt collector<br />says.</p><p class="mobile-post">The version that is much more believeable is taken from the Thomas<br />Library at Thomas Library version<br />Here it is.<br />S.2856</p><p class="mobile-post">Financial Services Regulatory Relief Act of 2006 (Engrossed Amendment<br />as Agreed to by House)</p><p class="mobile-post">SEC. 802. OTHER AMENDMENTS.</p><p class="mobile-post"> *</p><p class="mobile-post"> (a) Legal Pleadings- Section 809 of the Fair Debt Collection<br />Practices Act (15 U.S.C. 1692g) is amended by adding at the end the<br />following new subsection:</p><p class="mobile-post"> *</p><p class="mobile-post"> `(d) Legal Pleadings- A communication in the form of a formal<br />pleading in a civil action shall not be treated as an initial<br />communication for purposes of subsection (a).'.</p><p class="mobile-post"> *</p><p class="mobile-post"> (b) Notice Provisions- Section 809 of the Fair Debt Collection<br />Practices Act (15 U.S.C. 1692g) is amended by adding after subsection<br />(d) (as added by subsection (a) of this section) the following new<br />subsection:</p><p class="mobile-post"> *</p><p class="mobile-post"> `(e) Notice Provisions- The sending or delivery of any form or<br />notice which does not relate to the collection of a debt and is<br />expressly required by the Internal Revenue Code of 1986, title V of<br />Gramm-Leach-Bliley Act , or any provision of Federal or State law<br />relating to notice of data security breach or privacy, or any<br />regulation prescribed under any such provision of law, shall not be<br />treated as an initial communication in connection with debt collection<br />for purposes of this section.'.</p><p class="mobile-post"> *</p><p class="mobile-post"> (c) Establishment of Right to Collect Within the First 30 Days-<br />Section 809(b) of the Fair Debt Collection Practices Act (15 U.S.C.<br />1692g(b)) is amended by adding at the end the following new sentences:<br />`Collection activities and communications that do not otherwise violate<br />this title may continue during the 30-day period referred to in<br />subsection (a) unless the consumer has notified the debt collector in<br />writing that the debt , or any portion of the debt , is disputed or<br />that the consumer requests the name and address of the original<br />creditor. Any collection activities and communication during the 30-day<br />period may not overshadow or be inconsistent with the disclosure of the<br />consumer's right to dispute the debt or request the name and address of<br />the original creditor.'.</p><p class="mobile-post">The real truth is that no version has any validity until it is signed<br />into law by the president and even then sections of it may be<br />overturned by the Supremes at any time although it is highly doubtful<br />that the Supremes will have reason to find fault with any of the above<br />wording.</p><p class="mobile-post">Another point is that this isn't the full version of the bill by any<br />stretch of the imagination. These changes are a very small section of a<br />much larger bill that mostly deals with banks and banking institutions<br />and gives them much greater freedom in setting up new branch banks and<br />lessens the paperwork burdens on the banks when reporting to various<br />banking and banking related agencies. Some sections also make changes<br />to GLBA and the requirements about who must send out those yearly<br />privacy notices previously demanded by GLBA.</p><p class="mobile-post">Although most of us have not been paying attention to GLBA and those<br />yearly privacy notices that have been required and even some banks<br />still do not have the right information nor have they ever complied<br />with the original requirements of GLBA. Many banks are simply handing<br />out or mailing out a privacy notice to their new customers at or<br />shortly after opening a new bank account then never again.</p><p class="mobile-post">So this isn't just about FDCPA but rather a whole range of financially<br />related law.</p><p class="mobile-post">We aren't really going to have reliable information until it is signed<br />by the President, becomes actual law and has been distributed to the<br />public and even then we will have to guess how the courts will rule on<br />various cases before we can really get the whole case law on the new<br />changes.<br />__________________<br /><a href="http://feedjumbler.com/cc3539a5/html.jhtml">This Sigline updates constantly! Try it!</a><br />Creditwrench - The lethal weapon against debt collectors<br />ceo@creditwrench.com<br />Creditwrench Blog<br />(405) 616-7901 - CALL ANYTIME<br />(405)-227-9423 - CALL ANYTIME</p><p class="mobile-post">--~--~---------~--~----~------------~-------~--~----~<br />You received this message because you are subscribed to the Google Groups "The Kaulkin-Ginsberg Report" group.<br />To post to this group, send email to Kaulkin-Ginsberg@googlegroups.com<br />To unsubscribe from this group, send email to Kaulkin-Ginsberg-unsubscribe@googlegroups.com<br />For more options, visit this group at http://groups.google.com/group/Kaulkin-Ginsberg<br />-~----------~----~----~----~------~----~------~--~---</p>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1158557042517977812006-09-18T00:22:00.000-05:002006-09-18T00:24:02.870-05:00OUR Glorious New Movie<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" alt="Collection Industry Magazine logo" border="0" width="300" /><br /><br />Lawdog<br />Moderator Group<br />Moderator Group<br />Avatar<br /><br />Joined: March 23 2005<br />Location: United States<br />Online Status: Online<br />Posts: 841<br />Posted: September 17 2006 at 11:48pm | IP Logged Report Post Quote Lawdog<br />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.<br /><br />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.<br /><br />Soon they will all know what a great company we are and how technologically advanced we are.<br /><br />Even the mighty NCO will bow down to us with respect when they have seen our movie.<br /><br /><br />__________________<br />Here it is in all it's gloryCreditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1158466457309654132006-09-16T23:12:00.000-05:002006-09-16T23:14:21.603-05:00PCMHOLDINGS and it's staff of professional collectors - a movie<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" alt="Collection Industry Magazine logo" border="0" width="300" /><br /><br />Lawdog<br />Propaganda Group<br /><img src="http://www.pcmholdings.com/forum/forum_images/5_star_rating.gif" /><br /><br /><img src="http://www.themostwantedcriminals.com/lawdogavitar.jpg" /><br />Joined: March 23 2005<br />Location: United States<br />Online Status: Offline<br />Posts: 829<br /><br /><br />We here at <a href="http://www.pcmholdings.com">PCMHOLDINGS.com</a> would like you to <a href="http://www.themostwantedcriminals.com/PCMHOLDINGSMOVIE.mov">view this great movie that tells about our professional collections staff</a> and <a href="http://pcmholdings.pbwiki.com"> we also hope that you will also visit our great new wiki</a><br /><br /><a href="http://creditrectum.blogspot.com">Uncle Normie would greatly appreciate it if you would visit some of his blogs</a><br /><br />[PCMHOLDINGS Movie time]<br /><br /><a href="http://www.technorati.com/tag/pcmholdings+movie" rel="tag">pcmholdings movie</a>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1158411955679280522006-09-16T08:04:00.000-05:002006-09-16T08:05:56.256-05:00PCMHOLDINGS now selling the cheapest cigarettes<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="300" border="0" alt="Collection Industry Magazine logo"><br /><br />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.<br /><br /><table align="center" border="0" cellpadding="3" cellspacing="0" width="98%"> <tbody><tr><td class="bold" align="left" width="95%"><img src="http://www.pcmholdings.com/forum/forum_images/open_folder_icon.gif" align="middle" border="0" /> <a href="http://www.pcmholdings.com/forum/default.asp" target="_self" class="boldLink">PacHealthcare.com Forums</a> : <a href="http://www.pcmholdings.com/forum/forum_topics.asp?FID=18&PN=0" target="_self" class="boldLink">Off Topic Discussions</a> </td> <td align="right" width="5%"> <br /></td> </tr> </tbody> </table> <table align="center" border="0" cellpadding="4" cellspacing="0" width="98%"> <tbody><tr> <td width="70%"><span class="lgText"><img src="http://www.pcmholdings.com/forum/forum_images/subject_folder.gif" alt="Subject" align="middle" /> Topic: Best online cigarettes shop</span> </td> <td align="right"><a href="http://www.pcmholdings.com/forum/forum_posts.asp?TID=1227&TPN=1#reply" target="_self"><img src="http://www.pcmholdings.com/forum/forum_images/post_reply.gif" alt="Post Reply" align="middle" border="0" /></a><a href="http://www.pcmholdings.com/forum/post_message_form.asp?FID=18" target="_self"><img src="http://www.pcmholdings.com/forum/forum_images/new_post.gif" alt="Post New Topic" align="middle" border="0" /></a><a href="http://www.pcmholdings.com/forum/poll_create_form.asp?FID=18" target="_self"><img src="http://www.pcmholdings.com/forum/forum_images/new_poll.gif" alt="Create New Poll" align="middle" border="0" /></a> </td> </tr> </tbody> </table> <table border="0" cellpadding="3" cellspacing="1" width="100%"> <tbody><tr> <td class="tHeading" background="forum_images/table_bg_image.gif" bgcolor="#a6aad3" nowrap="nowrap" width="140">Author</td> <td class="tHeading" background="forum_images/table_bg_image.gif" bgcolor="#a6aad3" nowrap="nowrap" width="82%"><table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td class="tHeading" width="20%">Message</td> <td align="right" nowrap="nowrap" width="80%"><a href="http://www.pcmholdings.com/forum/get_topic.asp?FID=18&TID=1227&DIR=P" target="_self" class="npLink"><<> | </a><a href="http://www.pcmholdings.com/forum/get_topic.asp?FID=18&TID=1227&DIR=N" target="_self" class="npLink">Next Topic >></a></td> </tr> </tbody></table></td> </tr> <tr> <td class="smText" background="" bgcolor="#f8f8fc" valign="top"> <a name="14780"></a> <span class="bold">galastore</span><br />New Member<br /> <img src="http://www.pcmholdings.com/forum/forum_images/1_star_rating.gif" alt="New Member" /><br /><br /><br />Joined: June 28 2006<br />Online Status: Offline<br />Posts: 1 </td> <td class="text" background="" bgcolor="#f8f8fc" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td class="smText" width="80%">Posted: September 15 2006 at 3:49am | IP Logged </td> <td align="right" nowrap="nowrap" width="20%"> <a href="http://www.pcmholdings.com/forum/report_post.asp?PID=14780&FID=18&TID=1227&TPN=1" target="_self" class="smLink"><img src="http://www.pcmholdings.com/forum/forum_images/report_icon.gif" alt="Report Post" align="middle" border="0" /></a> <a href="http://www.pcmholdings.com/forum/edit_post.asp?M=Q&PID=14780&TPN=1"><img src="http://www.pcmholdings.com/forum/forum_images/quote_icon.gif" alt="Quote galastore" align="middle" border="0" /></a> </td> </tr> <tr> <td colspan="2"><hr /></td> </tr> </tbody></table> <!-- Message body --> <st1:address st="on"><span style="font-size:100%;"><span style="font-family:Times New Roman;"><span style="" lang="EN-US"><st1:country-regi n="" st="on"></st1:country-regi></span></span></span></st1:address><span style="" lang="EN-US"><o:p> </o:p><p style="margin: 0cm 0cm 0pt;"><a name="OLE_LINK4"></a><a name="OLE_LINK3"><span style=""><span lang="EN-US"><span style="color: rgb(0, 0, 0);font-family:Times New Roman;font-size:100%;" >Welcome at the best online cigarette shop www.galastore.com!</span></span></span></a></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><span style=";font-family:Times New Roman;font-size:100%;" >Buy discount cigarettes online at www.galastore.com</span></span></span></span></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><o:p><span style=";font-family:Times New Roman;font-size:100%;" > </span></o:p></span></span></span></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><span style=";font-family:Times New Roman;font-size:100%;" >Bond 12.95$</span></span></span></span></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><span style=";font-family:Times New Roman;font-size:100%;" >L&M 13.95$</span></span></span></span></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><span style=";font-family:Times New Roman;font-size:100%;" >Camel 14.95$</span></span></span></span></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><span style=";font-family:Times New Roman;font-size:100%;" >Marlboro 14.95$</span></span></span></span></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><span style=";font-family:Times New Roman;font-size:100%;" >Lucky Strike 14.95$</span></span></span></span></p> <p style="margin: 0cm 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href="http://www.galastore.com">www.galastore.com</a><span style=""> </span><span style=""> </span><a href="http://www.galastore.com">www.galastore.com</a><span style=""> </span><a href="http://www.galastore.com">www.galastore.com</a></span></span></span></span></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><o:p><span style=";font-family:Times New Roman;font-size:100%;" > </span></o:p></span></span></span></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><o:p><span style=";font-family:Times New Roman;font-size:100%;" > </span></o:p></span></span></span></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><span style=";font-family:Times New Roman;font-size:100%;" >We carry all major brands like Sobranie Black Russian, ESSE and Cigaronne.</span></span></span></span></p> <p style="margin: 0cm 0cm 0pt;"><span style=""><span style=""><span lang="EN-US"><span style=";font-family:Times New Roman;font-size:100%;" >We offer the world's best cigarettes at the best prices on the Internet!</span></span></span></span></p> </span> <!-- Message body ''"" --> </td> </tr> <tr> <td background="" bgcolor="#f8f8fc"><a href="http://www.pcmholdings.com/forum/forum_posts.asp?TID=1227&TPN=1#top" target="_self" class="npLink">Back to Top</a></td> <td class="text" background="" bgcolor="#f8f8fc"><a href="JavaScript:openWin%28" pf="599&FID=18','profile','toolbar=0,location=0,status=0,menubar=0,scrollbars=1,resizable=1,width=590,height=425')""><img src="http://www.pcmholdings.com/forum/forum_images/profile_icon.gif" alt="View galastore's Profile" align="middle" border="0" /></a> <a href="http://www.pcmholdings.com/forum/search_form.asp?KW=galastore&SI=AR&amp;amp;amp;FM=18&FID=18&TID=1227&PN=0&TPN=1"><img src="http://www.pcmholdings.com/forum/forum_images/search_sm.gif" alt="Search for other posts by galastore" align="middle" border="0" /></a> <a href="http://www.pcmholdings.com/forum/pm_new_message_form.asp?name=galastore" target="_self"><img src="http://www.pcmholdings.com/forum/forum_images/pm_icon.gif" alt="Send Private Message" align="middle" border="0" /></a> <a href="http://www.pcmholdings.com/forum/pm_buddy_list.asp?name=galastore" target="_self"><img src="http://www.pcmholdings.com/forum/forum_images/add_buddy_sm.gif" alt="Add to Buddy List" align="middle" border="0" /></a></td></tr></tbody> </table>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1158144118090740692006-09-13T05:40:00.000-05:002006-09-13T05:42:50.043-05:00Derek threatens murder to protect industry image on PCMHOLDINGS.com<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="300" border="0" alt="Collection Industry Magazine logo"><br /><font color="red"><b><span class="bold">Derek</span><br />Expert Member<br /> <img src="http://www.pcmholdings.com/forum/forum_images/5_star_rating.gif" alt="Expert Member" /><br /><img src="http://www.pcmholdings.com/forum/uploads/Derek/2005-03-11_170103_fire.gif" alt="Avatar" height="64" vspace="5" width="64" /><br /><br />Joined: October 12 2004<br />Location: United States<br />Online Status: Offline<br />Posts: 965 <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td class="smText" width="80%">Posted: September 12 2006 at 11:03pm | IP Logged </td> <td align="right" nowrap="nowrap" width="20%"> <a href="http://www.pcmholdings.com/forum/report_post.asp?PID=14751&FID=18&TID=1223&TPN=1" target="_self" class="smLink"><img src="http://www.pcmholdings.com/forum/forum_images/report_icon.gif" alt="Report Post" align="middle" border="0" /></a> <a href="http://www.pcmholdings.com/forum/edit_post.asp?M=Q&PID=14751&TPN=1"><img src="http://www.pcmholdings.com/forum/forum_images/quote_icon.gif" alt="Quote Derek" align="middle" border="0" /></a> </td> </tr> <tr> <td colspan="2"><hr /></td> </tr> </tbody></table> <!-- Message body --> From Credit Wrench on HelpForDebtors.<wbr>com:<br /><br /><p style="font-style: italic; color: rgb(0, 0, 255);">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.<wbr>com board. </p> <p style="font-style: italic; color: rgb(0, 0, 255);">Normie, you yourself have publicly accused him of attempting to kill your mother many times on CollectionIndustry.<wbr>com.</p> <p style="color: rgb(0, 0, 255);"><span style="font-style: italic;">Is he actually capable of committing murder? Well, we don't know that for sure, now do we?</span></p><p style="color: rgb(0, 0, 255);"><span style="color: rgb(0, 0, 0);">....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.</span><br /><span style="color: rgb(0, 0, 0);"></span></p><p style="color: rgb(0, 0, 255);"><span style="color: rgb(0, 0, 0);">By-the-way, Bil-LIE, you DO have life insurance, don't you?</span> <img src="http://www.pcmholdings.com/forum/smileys/smiley2.gif" border="0" /><br /><span style="color: rgb(0, 0, 0);"></span>__________________<br /></p>The real question is whether you are capable of murder? ..I think you are.<br />...you very well might kill...Yeah, Derek, I think you are capable of murder. - Billie Bauer, CreditWrench CEO, 09/12/06<br /><br />--<br /><span style="font-size:85%;color:gray;">Posted by PCMHOLDINGS.<wbr>COM to <a href="http://pcmholdings.blogspot.com/2006/09/murder-threats-on-internet-by-derek-of.html">PCMHOLDINGS.<wbr>COM</a> at 9/13/2006 03:26:00 AM</span> <p></p> <br /><br /><a href="http://www.technorati.com/tag/murder+threats" rel="tag">Murder threats</a><br /></font></b>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1158079803233041842006-09-12T11:48:00.000-05:002006-09-12T11:50:03.710-05:00PCMHOLDINGS says you gotta do what you gotta do<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="300" border="0" alt="Collection Industry Magazine logo" /><br /><br /><font color="red"><b><a href="http://www.helpfordebtors.com/node/137#comment-45">Originally posted on this forum</a><br /><br />Hey, Wrench, I have a<br />Submitted by Derek on Mon, 09/11/2006 - 6:43pm. *new<br /><br />Hey, Wrench, I have a surprise for you:<br /><br />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.<br /><br />Oh, and one more thing: Normie is NOT in California....that's ME.<br /><br />As for Glook, he can click on Normie's link about you, Wrench, and he can learn all about your scams and cons.<br /><br />______________________________________________________________<br /><br /><br /><br />Well, Derek, you didn't post this obviously ludicrous statement on the blog he keeps trying to get everybody to go to, did you? <br />****************************************************<br />"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."<br />***************************************************<br />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. <br /><br />Half truths and outright lies made to look like there might be some truth to it. <br /><br />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. <br /><br />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. <br /><br />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. <br /><br />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.<br />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. <br /><br />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.<br /><br />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. <br /><br />That "hiding" causes untold hundreds of people to have to hunt them down every day <br />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 <a href="http://www.themostwantedcriminals.com">THIS ONE</a> 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. <br /><br />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. <br /><br />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. <br /><br />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. <br /><br />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. <br /><br />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". <br /><br />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. <br /><br />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." <br /><br />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. <br /><br />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. <br /><br />The only way to win is to clean up your industry and you don't have the power to do that either. <br /><br />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.<br /><br />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.<br /><br /><a href="http://creditwrench-thetruth.pbwiki.com">Creditwrench-thetruth</a><br /></b></font>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1157414673252890442006-09-04T19:00:00.000-05:002006-09-04T19:05:24.993-05:00Collectionindustry.com offers a contest and a prize.<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" alt="Collection Industry Magazine logo" border="0" width="300" /><br /><span style="color:red;"><b><br /><h2>Get Your Unique URL</h2> <p>In order to get credited for your referrals, please make sure that your contacts visit our site using the special address provided below.</p> <p>Here are two handy ways to proceed.</p> <ol><li style="padding-bottom: 20px;">If you use a mail application on your desktop, such as Microsoft Outlook, this link will launch a new message that contains the special address. <a href="mailto:?subject=Register%20for%20collectionindustry.com&body=%0A%0A%0A%0AI%27d%20like%20to%20invite%20you%20to%20join%20me%20on%20CollectionIndustry.com,%20just%20click%20on%20the%20link%20below%20to%20register%21%0A%0Ahttp://www.collectionindustry.com/register/?ref=49732">Click here</a> </li><li> If you're using an online mail service, such as Yahoo Mail, Hotmail or Gmail, invite your friends by sending them this link: <p style="display: none; background-color: rgb(255, 255, 153);" id="selectedURL">The link has been copied. You can now paste it into your email message.</p> <p><input name="referLink" id="referLink" value="http://www.collectionindustry.com/register/?ref=49732" style="border: medium none ; width: 350px;" readonly="readonly" type="text"></p> <p>Select and copy the address above. Then paste it into your email message to friends and colleagues.</p> </li></ol><br /><br /></b><br /></span>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1155820057772416502006-08-17T07:51:00.000-05:002006-08-17T08:07:38.750-05:00Search Engine rankings<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="300" border="0" alt="Collection Industry Magazine logo" /><br /><br /><font color="red"><b>For most companies, their placement in search engines is important. Indeed, today good placement in search engine listings is vital to the success of almost any business. <br /><br />But it is not only important for a company to be in the top positions for the keywords and keyword phrases that pertain to their industry but it is also extremely important what the listings of others have to say about your company. Having a top listing in the search engines with your company blurb there for everyone to see is important but if most of the other listings have negative things to say about your company and the page or pages you are on are filled with derogatory information your top listing will do you no good at all. <br /><br />Kalkin Ginsburg who has the website known as collection industry dot com has hired a new webmaster to oversee their forum and it is obvious that Mike Bevel has taken their forum to a new level by getting rid of most of the derogatory comments made by posters about other web sites and blogs. Their public image has soared as a result and it has done so very quickly. <br /><br />Their listings on Google and other search engines has been cleaned up and is looking great and is obviously the result of the excellent webmastership of Mike Bevel. <br /><br />The obvious lesson to be learned is that if your forum engages in flaming or bashing others your own rankings will suffer as a result. <br /><br />Spam messages that are off-topic and only promote someone else's products or services in any way should also be deleted from your forum as fast as they appear and their authors should be banned from your forum. Their off-topic postings can only harm your business and your rankings in search engines.<br /><br /><br /><br /></b></font>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1152626507210926862006-07-11T08:57:00.000-05:002006-07-11T09:44:09.746-05:00Collection Industry Magazine July 2006 issue<div style="float: right; margin-left: 10px; margin-bottom: 10px;"> <a href="http://www.flickr.com/photos/creditwrench/187284581/" title="photo sharing"><img src="http://static.flickr.com/74/187284581_87c8a2b7ea_m.jpg" alt="" style="border: 2px solid rgb(0, 0, 0);" /></a><br /><span style="margin-top: 0px;font-size:0;"> <a href="http://www.flickr.com/photos/creditwrench/187284581/">Collection Industry Magazine July 2006 issue</a> <br /> Originally uploaded by <a href="http://www.flickr.com/people/creditwrench/">creditwrench</a>. </span></div>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1152366431249931632006-07-08T08:46:00.000-05:002006-07-08T08:47:14.080-05:00Photo badge<img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="300" border="0" alt="Collection Industry Magazine logo" /><br /><br /><br /><!-- Start of Flickr Badge --><br /><style type="text/css"><br />#flickr_badge_source_txt {padding:0; font: 11px Arial, Helvetica, Sans serif; color:#666666;}<br />#flickr_badge_icon {display:block !important; margin:0 !important; border: 1px solid rgb(0, 0, 0) !important;}<br />#flickr_icon_td {padding:0 5px 0 0 !important;}<br />.flickr_badge_image {text-align:center !important;}<br />.flickr_badge_image img {border: 1px solid black !important;}<br />#flickr_badge_uber_wrapper {width:150px;}<br />#flickr_www {display:block; text-align:center; padding:0 10px 0 10px !important; font: 11px Arial, Helvetica, Sans serif !important; color:#3993ff !important;}<br />#flickr_badge_uber_wrapper a:hover,<br />#flickr_badge_uber_wrapper a:link,<br />#flickr_badge_uber_wrapper a:active,<br />#flickr_badge_uber_wrapper a:visited {text-decoration:none !important; background:inherit !important;color:#3993ff;}<br />#flickr_badge_wrapper {}<br />#flickr_badge_source {padding:0 !important; font: 11px Arial, Helvetica, Sans serif !important; color:#666666 !important;}<br /></style><br /><table id="flickr_badge_uber_wrapper" cellpadding="0" cellspacing="10" border="0"><tbody><tr><td><a href="http://www.flickr.com" id="flickr_www">www.<strong style="color: rgb(57, 147, 255);">flick<span style="color: rgb(255, 28, 146);">r</span></strong>.com</a><table cellpadding="0" cellspacing="10" border="0" id="flickr_badge_wrapper"><br /><script type="text/javascript" src="http://www.flickr.com/badge_code_v2.gne?show_name=1&count=10&display=random&size=m&layout=v&source=user_set&user=92288340%40N00&set=828092&context=in%2Fset-828092%2F"></script><br /><tbody><tr><br /><td id="flickr_badge_source" valign="center" align="center"><br /><table cellpadding="0" cellspacing="0" border="0"><tbody><tr><br /><td width="10" id="flickr_icon_td"><a href="http://www.flickr.com/photos/creditwrench/sets/828092/"><img id="flickr_badge_icon" alt="Collections Industry Magazine" src="http://static.flickr.com/23/buddyicons/92288340@N00.jpg?1125191446" align="left" width="48" height="48" /></a></td><br /><td id="flickr_badge_source_txt">creditwrench's <a href="http://www.flickr.com/photos/creditwrench/sets/828092/">Collections Industry Magazine</a> photoset</td><br /></tr></tbody></table><br /></td><br /></tr><br /></tbody></table><br /></td></tr></tbody></table><br /><!-- End of Flickr Badge -->Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1150311161704287422006-06-14T13:52:00.000-05:002006-06-14T14:02:33.023-05:00Are debt collectors America's most wanted criminals?<center><img alt="Collection Industry Magazine logo" src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="400" border="0" /></center><br /><h1><font color="red"><b><br />Creditwrench CEO </b></font></h1><br /><a href="http://billiebauer.blogspot.com"><font color="gold"><b><u>Billie Bauer</u></b></font></a><h1><font color="red"><b>claims that debt collectors are America's most wanted criminals! </b></font></h1><font color="red"><b><br /><br />He claims that debt collectors abuse people and violate the law! He claims that debt collectors do all they can to hide their addresses so people can't sue them or pay them by U.S. Mail!<br /><br />He claims that many law enforcement agencies have to hunt them down for violations of law!<br /><br />He claims that many lawyers have to hunt them down to sue them!<br /><br />He claims that hundreds of people have to hunt for debt collectors every day to pay them what they owe!</b><br /><br /></font><a href="http://www.themostwantedcriminals.com"><font color="gold"><b><u>He claims that makes debt collectors the most wanted criminals in America today!</u></b></font></a><br /><br /><font color="red"><b>He claims that the reason so many states have passed strict laws regulating debt collectors is because debt collectors often fail to pay their customers, the creditors who hire them?<br /><br />Do you agree that debt collectors are indeed America's most wanted criminals in America?</b></font>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1136761145475013422006-01-08T16:58:00.000-06:002006-04-10T09:19:13.600-05:00New credit history scam.<center><img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="400" border="0" alt="Collection Industry Magazine logo" /></center><br /><br />We can get you a new, clean credit file.<br /><br />What you need to know: Not legally. Some firms will try to get customers to apply for new taxpayer identification or Employer Identification Numbers (also called an EIN) for the purpose of building a new credit history. It's a felony, says Ridout.<br /><br />But the reason people get taken is that con artists don't explain the whole scheme, so consumers don't realize what they are being asked to do. Consumers also may not know that getting a new number to create a new credit history is illegal. And the whole concept is based on faulty reasoning, says Ridout. Since the new file will list the same name and address, it would still have all the same information and history, even with a new number.<br /><br />Beware if anyone talks about getting you a new credit file, file segregation or a fresh credit history.Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.comtag:blogger.com,1999:blog-7448559.post-1136761053463855492006-01-08T16:52:00.000-06:002006-01-08T16:57:34.646-06:00Credit repair scams.<center><img src="http://www.creditwrench-thetruth.com/CIBLOG.png" width="400" border="0" alt="Collection Industry Magazine logo"></center><br /><br /><h1><font color="red"><b>This is one of the more recent credit repair scams</b></font></h1><br /><font color="red"><b><br /> -- and one of the most costly. Con artists dangle the promise of much-needed money or loans in front of desperate consumers as an incentive to pay, pay and pay. Some scam outfits mimic credit counseling agencies, others imitate mortgage companies. But all they do hit you up for money (sometimes several times) then leave you empty-handed.<br /><br />And since there are genuine community nonprofit groups that help educate consumers and help with affordable housing issues, scammers may also try to imitate that business model. The best advice: Hold onto your wallet, and be wary of any big promises or fast fixes. Reputable organizations focus on education. When in doubt, do a little reference checking on the Internet, with the state regulatory or consumer offices and with local offices of nonprofits and community groups you trust.</b></font>Creditwrenchhttp://www.blogger.com/profile/04077028670635905188noreply@blogger.com