QUATLOOS

Creditwrench-thetruth exposes the wrench again

noreply@blogger.com (Anonymous) — Sat, 11 Nov 2006 22:57:00 +0000

Author

Message

E. Normis
Expert Member

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

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

Not to mention the 18 questions.

Goody, more blog material

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

Uncle Normie exposes the wrench again!

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

noreply@blogger.com (Anonymous) — Sun, 29 Oct 2006 02:23:00 +0000

Topic: The PCM Website is Now For Sale!

Author

Message

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Ryan Evans
Admin Group
Pacific Healthcare

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

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

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

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

Thanks,

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

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

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

Hi Max,

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

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

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

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

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

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

It's a lot of fun. It's great for getting clients and or and networking within the industry.

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

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

Thank you,

Jane Madison

714.585.1115

JaneMadisonPCM@aol.com

page strength meters for pcmholdings.com and others.

noreply@blogger.com (Anonymous) — Wed, 25 Oct 2006 14:17:00 +0000

Page strength meter for this blog.

Page strength meter for www.pcmholdings.com

Page strength meter for Creditwrench-thetruth.blogspot.com

Page strength meter for www.themostwantedcriminals.com

Page strength meter for the official collection industry Magazine

Creditwrench-thetruth admits being a spammer

noreply@blogger.com (Anonymous) — Sun, 22 Oct 2006 13:35:00 +0000

Well how about that sports fans?

E. Normis
Expert Member

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

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

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

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

Creditwrench-thetruth exposed as an E. Normis squid

noreply@blogger.com (Anonymous) — Fri, 20 Oct 2006 12:44:00 +0000

Creditwrench-thetruth is an E. Normis squid

PacHealthcare.com Forums : Off Topic Discussions

Topic: New referral technique

Author

Message

E. Normis
Expert Member

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

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

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

Here's an one example.

Go ahead, try it

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

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

What is this new method he plans to use?

HERE IT IS.

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

Yesterday, 11:58 AM

E. Normis Debtor

Senior Member

Quite Learned

Join Date: Jul 2006

Location: Oklahoma

Posts: 240

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

__________________
The truth about Creditwrench

Caught like a rat in a trap!

Yesterday, 02:51 PM

Max H

Junior Member

Believer in Synchronicity

Join Date: Oct 2006

Location: New York

Posts: 1

Quote:

Originally Posted by E. Normis Debtor

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

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

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

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

You ought to be ashamed of yourself.

Creditwrench-thetruth emits more spam

noreply@blogger.com (Anonymous) — Fri, 20 Oct 2006 11:37:00 +0000

PacHealthcare.com Forums : Off Topic Discussions

Topic: New referral technique

Author

Message

E. Normis
Expert Member

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

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

Here's an one example.

Go ahead, try it

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

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

What is this new method he plans to use?

HERE IT IS.

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

Yesterday, 11:58 AM

E. Normis Debtor

Senior Member

Quite Learned

Join Date: Jul 2006

Location: Oklahoma

Posts: 240

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

__________________
The truth about Creditwrench

Caught like a rat in a trap!

Yesterday, 02:51 PM

Max H

Junior Member

Believer in Synchronicity

Join Date: Oct 2006

Location: New York

Posts: 1

Quote:

Originally Posted by E. Normis Debtor

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

spam
spammer
rat

Creditwrench-thetruth finally exposed for the fraud that he is

noreply@blogger.com (Anonymous) — Wed, 18 Oct 2006 18:08:00 +0000

E. Normis
Expert Member

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

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

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

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

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

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

World's #1 Blog about Creditwrench

Creditwrench
Expert Member

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

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

E. Normis wrote:

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

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

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

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

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

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

PRICELESS!

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

internet threat to commit murder posted on pcmholdings.com

noreply@blogger.com (Anonymous) — Tue, 17 Oct 2006 18:41:00 +0000

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Thread-Topic: PacHealthcare.com Forums : MISC WRENCHIE MORONIC RANTS
From: "PacHealthcare.com Forums"
To: "Creditwrench"
Subject: PacHealthcare.com Forums : MISC WRENCHIE MORONIC RANTS
Date: Tue, 17 Oct 2006 10:39:33 -0700
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Hi Creditwrench,

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

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

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

_____

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

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

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

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

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

Hi Creditwrench,

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

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

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

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

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

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

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

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

WWW.PCMHOLDINGS.COM is up for sale.

noreply@blogger.com (Anonymous) — Mon, 16 Oct 2006 17:06:00 +0000

Topic: The PCM Website is Now For Sale!

Author

Message

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Ryan Evans
Admin Group
Pacific Healthcare

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

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

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

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

Thanks,

PCMHOLDINGS.COM is up for sale! Get it while it's hot!

noreply@blogger.com (Anonymous) — Mon, 16 Oct 2006 16:15:00 +0000

Topic: The PCM Website is Now For Sale!

Author

Message

<<> | Next Topic >>

Ryan Evans
Admin Group
Pacific Healthcare

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

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

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

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

Thanks,

Debt Collector threatens to murder Creditwrench CEO Billie Bauer again!

noreply@blogger.com (Anonymous) — Sun, 15 Oct 2006 00:25:00 +0000

Saturday, October 14, 2006

Derek
Wanted Criminal

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 1005

Posted: October 14 2006 at 3:53pm \| IP Logged

I have been given the honor of guest authoring a blog entry on Normie's blog dedicated to exposing CREDITWRENCH CEO Billie Bauer for the con-man and scam artist that he is.

Normie, the following post may be a bit lengthy for your blog, so you are welcome to edit it as you feel is appropriate:

"In a discussion today with CREDITWRENCH CEO Billie Bauer,

The first proof of a con job is that it always starts with a lie. Ithere was no conversation between this known and wanted criminal and Creditwrench CEO Billie Bauer today, October 14, 2006. This Bil-LIAR was told to start his so called post by another scam artist who claims to have a blog that is the worlds #1 for something or other but in fact is never read by anybody other than his debt collector buddies, all of whom are known and wanted criminals. The proof of what is said by me is posted on another blog.

Once a person is proven to be a liar then nothing else he has to say is important because it will all be nothing but more lies.

Mr. Bauer claimed that consumer reporting agencies (Experian, Trans Union, and Equifax) search court records for civil money complaints that have not yet been tried,

This is also a lie. It was also not stated anywhere that the credit bureaus search court records for civil money complaints that have not yet been tried. What was said is that judgments sometimes show up on credit reports even though they have not yet been tried. The fact that a judgment has been filed can and sometimes does show up on credit reports.

Somehow, this scumbag seems to think that just because he is a debt collector people are going to take whatever he says as the truth, the whole truth and nothing but the truth. The sad fact is that debt collectors are known to be liars, cheats, thieves and general all around scumbags. Lest anyone doubt that fact just look around the internet and see what honest hardworking Ameicans have to say about them.

And if that isn't good enough then just look at the multitudes of newspaper articles by reputable journalists and radio or TV stations have put out about these criminals.

And if that isn't good enough then you should stop and ask yourself why is that so many states have had to pass laws requiring debt collectors to post huge bonds and get state issued licenses to collect debts in their respective states?

The reason is that so many debt collectors have collected huge sums of money for banks, merchants and credit card companies and never returned money to those companies who trusted them to deal with them fairly and honestly only to find out they were being cheated out of tons of money or not being paid at all.

Even that hasn't been enough to stem the tide of thievery so the bigger banks and credit card companies have stopped referring their delinquent accounts to debt collectors long ago and now only sell their receiveables to large buyers capable of buying many millions and even billions of dollars worth of delinquent accounts in bundles at a time. They are known as brokers and their business is to buy in bulk and break up the bundles and sell them to the smaller companies in bundles they can afford. And of course, they make huge profits with little or no risk because there is always somebody out there willing to buy those little bundles in the hopes of getting rich by making your life miserable.

So now you know the whole story. Never, Never, Never trust a debt collector any further than you can throw him. And never, never, never believe anything they say on the internet or off of it because you will be fed a line of bull if you do. The only thing they know how to do is prey on your gullibility.

and report these lawsuits against consumer credit reports as Judgments. This is completely false since such an action would effectively deny the consumer the right to due process of law to have the complaint tried in court and determine if there is any liability by the consumer to pay the debt at all.

This isso obviously wrong that it isn't even funny. Debt collectors often attempt to effectively deny consumers the right to due process of law but there is no possible way that the appearance of a judgment on a credit report would deny the consumer the right to have the complaint tried in court to determine if there is any liability by the consumer to pay the debt at all or not. Neither judges nor juries pay any attention to what a credit bureau might have to say about a defendant's liability or lack of it. Once again, this criminal is proven to not only be a liar but now proven that he knows nothing about the law at all or how it operates. Yet he expects, no, demands that you accept whatever he says as being the truth, the whole truth and nothing but the truth. But the truth is that everything he has written is a total fabrication and that he has no knowledge or understanding of anything.

Additionally, the false reporting of a debt as a Judgment on a person’s credit bureau report when in fact the matter has not yet been before a judge, is a clear violation of the FCRA and FACTA.

Another loony tune. Credit bureaus and debt collectors alike scoff at the law routinely for the simple reason that they make untold millions of dollars doing so and if the poor debtor wishes to complain about it he has to file a lawsuit which in federal court costs $350.00 up front which is a sum of money that many simply can't afford even if they could find a knowledgeable and competent attorney to take the case. So they normally get away with anything they want to get away with.

After all of the proof above that what you may have read or may contemplate reading is nothing but false and mis-leading information, nobody really needs to know much more than that.

People who author blogs and other online material are expected to publish accurate information and if they don't then they suffer by reason that nobody pays any attention to what they have to say nor even bother to visit the website or blog.

That's why the blog that is being touted as an expert source of information has no visitors other than other debt collectors. One visit is more than enough to cause you to understand that it all a bunch of hooey.

And then he threatens reprisal by murder again.

Derek
Expert Member

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 1006

Posted: October 14 2006 at 4:06pm \| IP Logged

Creditwrench wrote:

Oh goodie! More material for all my blogs, egroups and wikis.

....that nobody reads but you.

The result of all your internet garbage is no different than if you were to go off into the desert at night and shout into the darkness. Nobody is listening.

...or should I say, nobody WILL be listening when you'll be in the desert one night? Heh heh heh....

__________________
The real question is whether you are capable of murder? ..I think you are.
...you very well might kill...Yeah, Derek, I think you are capable of murder. - Billie Bauer, CreditWrench CEO, 09/12/06

Creditwrench-thetruth.blogspot.com

noreply@blogger.com (Anonymous) — Sat, 14 Oct 2006 13:55:00 +0000

ACA's Jenny LOON speaks about IRS debt collectors

noreply@blogger.com (Anonymous) — Wed, 11 Oct 2006 21:23:00 +0000

Treasury Report Latest Confirmation of Need for Private IRS Debt Collection

ACA Blasts Treasury Union for Fearmongering

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

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

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

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

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

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

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

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

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

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

PCMHOLDINGS scam exposed.

noreply@blogger.com (Anonymous) — Tue, 10 Oct 2006 10:51:00 +0000

Talk about a Rip-off! This piece of junk isn't worth 20 cents and this idiot wants $20,000?

Admin
Admin Group

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

Posted: October 09 2006 at 4:38pm \| IP Logged

Hello All. We recently changed our business structure and we have decided to sell the entire PCMHoldings website (This entire website), for approximately 15k.

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

Thanks,

Creditwrench-thetruth and Robert Paisola

noreply@blogger.com (Anonymous) — Sat, 07 Oct 2006 14:44:00 +0000

PCMHOLDINGS.COM official press release

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

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

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

[/QUOTE]

Priceless!

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

FORUMS > OFF-TOPIC DISCUSSION

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

BuckShotMgraw Senior Member Posts: 415 Joined: Jun 2005

Friday 09/15/06 12:41 PM

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

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

Monday 09/18/06 11:05 PM

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

FORUMS > OFF-TOPIC DISCUSSION

Normie's wet dream avatar

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

--

FDCPA Rule changes exerpted from the Thomas Library.

noreply@blogger.com (Anonymous) — Wed, 04 Oct 2006 12:10:00 +0000

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

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

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

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

Creditwrench
Administrator

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

SEC. 802. OTHER AMENDMENTS.

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

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

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

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

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

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

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

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

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

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

_.___

__,_._,___

Quatloos and lowlifedeadbeats

noreply@blogger.com (Anonymous) — Fri, 29 Sep 2006 01:46:00 +0000

Creditwrench

Administrator

Join Date: Oct 2004

Posts: 1,355

Another comment on the lowlifedeadbeats blog

Deadbeats

We will expose any and all scams and deadbeats.Most every credit message board teach the consumers how to defraud the creditors.All the consumers want to do is max out their credit and run and hide from the creditor.Once the creditor ask the consumer to pay their debt the first thing the consumer will do is run to a credit message board and say how do I get out of paying.Consumers will do anything to get out of paying their debts.Even give false information to collection agencies and creditors.

Monday, September 25, 2006

Creditwrench thanks for your support

http://consumers.creditwrench.com

Creditwrench think you very much for the money you sent us. We will spend that money to fight the low life scum bags that defraud the creditors.
posted by DEADBEATS @ Monday, September 25, 2006 2 comments

2 Comments:

At 1:57 PM, PCMHOLDINGS.COM said...: Great job Normie. You are really beating up on the deadbeat message boards. Keep up the good work. Our glorious leader will reward you greatly. Do not let them discourage you as you continue in your assigned mission.

All Hail to our Glorious Leader Ryan and his information minister, Lawdog.

Please visit our blog at Please visit our blog

pcmholdings.com
At 2:34 PM, Squatloos said...: I am known as Rico y Suave on the great forum Quatloos.com and there we expose all manner of scam artists. You should also vist our QUATLOOS blog I am certain you will find it extremely interesting. We also expose scam artists and deadbeats there.

Keep up the good work Normie.

Rico y Suave.

PCMHOLDINGS movie now in Google Video library.

noreply@blogger.com (Anonymous) — Thu, 21 Sep 2006 22:04:00 +0000

OUR GLORIOUS MOVIE -- Pcmholdings.com

Lawdog
Propaganda Group

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

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

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

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

__________________
Here it is in all it's glory

__,_._,___

OUR GLORIOUS MOVIE -- Pcmholdings.com

noreply@blogger.com (Anonymous) — Mon, 18 Sep 2006 05:21:00 +0000

Lawdog
Propaganda Group

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

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

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

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

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

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

__________________
Here it is in all it's glory

PCMHOLDINGS and it's E. Normis criminals

noreply@blogger.com (Anonymous) — Sun, 17 Sep 2006 23:53:00 +0000

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

PCMHOLDINGS.COM

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

Sunday, September 17, 2006

PCMHOLDINGS defines the word "OXYMORON"

E. Normis
Expert Spin Doctor

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

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

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

__________________
See the PCMHOLDINGS.com promotional movie

World's #1 Blog about Creditwrench-thetruth

oxymoron dog
creditwrench-thetruth

, it just keeps going and going and going

PCMHOLDINGS identifies the World's #1 Moron

noreply@blogger.com (Anonymous) — Sun, 17 Sep 2006 23:26:00 +0000

E. Normis
Expert Spin Doctor

Joined: October 12 2004
Location: United States
Online Status: Offline
Posts: 1531

Posted: September 17 2006 at 5:28pm \| IP Logged

The world's # 1 moron, E. Normis, identified on my CREDITWRENCH-thetruth blog.

__________________
See the PCMHOLDINGS.com promotional movie Absolutly hilarious.

World's #1 Blog about Creditwrench

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Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 9/17/2006 04:18:00 PM

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

noreply@blogger.com (Anonymous) — Sun, 17 Sep 2006 20:58:00 +0000

Derek
Expert Putzmeister

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

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

E. Normis wrote:

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

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

PCMHOLDINGS defines the word "OXYMORON"

noreply@blogger.com (Anonymous) — Sun, 17 Sep 2006 16:03:00 +0000

E. Normis
Expert Spin Doctor

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

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

PCMHOLDINGS and it's staff of debt collectors.

noreply@blogger.com (Anonymous) — Sat, 16 Sep 2006 19:29:00 +0000

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

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Posted by PCMHOLDINGS.COM to PCMHOLDINGS.COM at 9/16/2006 12:14:00 PM

pcmholdings now reduced to selling cigarettes

noreply@blogger.com (Anonymous) — Fri, 15 Sep 2006 23:56:00 +0000

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

PacHealthcare.com Forums : Off Topic Discussions

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galastore
New Member

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

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

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