Here are the audio recordings of the Friday night conference call for January 8, 2010.
The call lasted for an hour and 47 minutes which created a file far too large to upload and download so it is split into 3 sections each 35 minutes long.

First half hour


Second half hour


Third half hour



Our next conference call will be held on Friday, January 15th at 7:00 P.M. Central time. The call in number is (218) 895-2685 and the pin is 2452@.

Our calls are always lively and interesting. They are free and open to the public but you must identify yourself by your first name when asked to do so by the moderator or you will be dropped from the call.

See you on the call next week.

Here is the Friday night conference call for November 06, 2009.
This is the 2nd conference call we have had on our new server. The new server gives us much better control of the call.

Creditwrench Blogtalk Radio show for July 27th, 2009 carries a discussion about the New York Attorney General's crackdown on debt collectors, lawyers and their illegal default judgments obtained through fraudulent process of service. Click on then link above and listen in as Creditwrench students who were actually victimized by this vicious racket did to put a stop to their being victimized and how they made the debt collectors pay them instead of collecting any.

This video produced by the news team of WPRI TV in Providence, RI. The reporter tells the story about how much money the state is making off of lawsuits filed by Capital One Bank. The bald headed guy who shows up briefly shortly is attorney Robert E. Johnson of the law firm of Howard Lee Schiff & Company. What the reporter didn't know about is that Johnson has gained quite a bit of fame and nationwide attention as a result of using false and fraudulent affidavits in support of his lawsuits. The way his racket works is that he gets his Capital One cases from a company known as TSYS of Georgia. TSYS owns a company known as NAN or National Attorney Network whose job is to find attorneys nationwide to sue on delinquent Capital One credit card cases. To aid in their endeavors NAN provides the attorneys with false and fraudulent affidavits prepared and notarized by NAN employees. Johnson has been sued in federal court for doing that and lost the case.

That isn't the worst of it. The amazing truth is that most affidavits filed in most courts across the nation are also false and misleading. The trail is always the same. In most cases the poor defendant has no clue that the affidavits used against him are false and misleading. He has no way to find out whether the affidavit is false or not simply because he don't have the knowledge necessary to get to the bottom of it. But in reality, finding out is easy. The first thing to look for is where is the notary located? What state? Look on the notary stamp to find out. It will tell you right on the notary stamp or seal. Then where is the credit card bank located? If they are not located in the same state then you have your first cause of suspicion that the affidavit might be a fake. So call up the Secretary of State where the notary is from and see if the notary is actually a registered notary or someone who has just gone out and bought a notary stamp from somewhere. It is rare that the notary is not a real notary but it has happened.

The Creditwrench blog talk radio show for March 16th 2009 features Marcy Solmon of Edmond Oklahoma being interviewed by talkshow host Bill Bauer of Oklahoma City, Oklahoma. The topic of discussion is about Marcy's ideas on how to bring about licensing of debt collectors in Oklahoma.

Here are the conference calls and radio shows for February 2008. They are all in podcast format.

Creditwrench conference call for February 06/2008

Here are some new Creditwrench Blogtalkradio shows.

12-01-2008

12-08-2008

12-15-2008

12-22-2008

12-29-2008

In this movie Creditwrench is the featured guest of the year.

Here is the Creditwrench talk radio show for 12/15/08.

As the reporter in this investigative report states, people who don't know the law and how to defend themselves against such ripoff tactics as is discussed in this video don't stand a chance.

Creditwrench gives consumers the tools they need to fight back with a veangence and win.

Our blog talk radio show for 11/24/2008

Our regular Monday evening talk radio show airs at 9:00 p.M. every week. It is pre recorded so if you would like to be a guest on our show you need to call us not later than Saturday before the Monday evening show. You can reach CEO Bill Bauer by calling (405) 237-2174 or (405) 227-9423

You should visit our web site at http://www.creditwrench.com and our message forum at http://consumers.creditwrench.com

Here is the Radio talk show recording for 11/17/08

We ran into a technical problem of some sort yesterday evening and the last few minutes of the show suddenly went dead. Although that type of thing does mess up the listener's experience we also record the show separately from the station so we can let the public hear the complete show as it should have been heard.

Here is the link to the real show as it was supposed to have been heard.

Here is the link to listen to the Friday night conference call for Friday October 16th, 2008

The Creditwrench talk radio show is broadcast every Monday evening at 9:00 P.M. central time. It is an hour long and is pre recorded. If you would like to be a guest on the show you need to call me at (405) 237-2174 or (405) 227-9423 so that we can pre record your conversation and put it on the show on Monday nights. You should plan your presentation before hand and have it all ready to go before you call. We will then record the show and put it on at show time. Each show will be available here on creditwrench TV website so that it will be available almost forever.

This is the recording of the Creditwrench hour long talk radio show for October 13th, 2008

Bill Bauer for President?

Bill Bauer for President of the United States

RSS technology

Bill Bauer, CEO of Creditwrench or Oklahoma taught members of the Oklahoma City J-accuse group about RSS and how it is implemented on theCreditwrench forum

Most of the members had no idea what RSS is or what it does. Bauer taught that most blogs have at least on form of RSS feed and large numbers also have two forms. Bill Bauer told the members that there are many blawgs that are authored by well respected members of the legal profession. Bauer stated that the Creditwrench message board has the capability to act as an aggregator and republish articles from those blogs and blawgs thus bringing valuable information to readers of his message board.

The following video shows some of the members of the Oklahoma City J-accuse group headed by Mr. Richard Cornforth of Oklahoma City, Oklahoma

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Let the government pay all your debts for you using treasury offset accounts.

At a recent seminar this clown told his audience that the government owes you a living and you can use treasury offset accounts to make the government pay all your debts for you.

The truth is that treasury offset accounts are the vehicle by which the United States Treasury pays money into the accounts of other government agencies and other government debts.

Listen to the bad advice of this very, very dangerous teacher and you can actually expect to make the government provide you with all the necessities of life. Of course, you don't need much if you are living at Club Fed for 20 years or so.

Federal Prisoners don't have much in the way of benefits but they do get to enjoy a great sense of security.

In this video zombie debt collectors are exposed for what they are. The tv interview gives 5 tips for dealing with these criminals. Creditwrench gives you far more than just 5 little tips that won't help much. Creditwrench teaches you how to make them beg for mercy and ask how much it is going to cost them to make you go away.

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My friend Gene G. had his day in Oklahoma County court before Judge James B. Croy.
Here is an animated movie which shows the outcome of his hearing.

Question about collection agencies

Question:

We live in Indiana. My husband had surgery (covered by VA) in Louisville, Kentucky. A collection agency in Illinois sent us a letter in May about a bill for a Louisville doctor, a bill we never knew existed.

My question is, was it legal for the doctor's office to go to a collection agency without contacting us first? We were never notified about this debt by the doctor. Now our good credit is ruined.

I tried to take care of this in May, and thought I had. The VA will pay the bill. Evidentally the doctor's office never filed it properly.

Yesterday we received another call from the collection agency, and I contacted everyone involved and tried to straighten it out again.

I need to know if the doctor's office had the right to turn this over for collection without notifying us of the debt in the first place.

I appreciate any advice you can give me.

Answer:

Yes, the doctor does have the right to turn the bill over to a collection agency without informing you.

But you say that now your good credit is ruined? Obviously that is very important to you and I certainly commend you for that. Want to fix that problem the right way? Let me teach you how to fix your credit the creditwrench way.

Most people who want to fix their credit either do it themselves by sending disputes to the credit bureaus but huge numbers of people hire credit repair companies such as Lexington Law or any one of hundreds if not thousands of credit repair companies that exist today. But this is quite often a temporary solution that is obtained at considerable cost no matter who does it and all the time, effort and money is wasted as soon as someone files a lawsuit against the person.

Creditwrench is not a credit repair company but our methods can totally eliminate the listing no matter how valid it might be contrary to what the FTC and others might want you to believe. Creditwrench students use the federal court system to "fix" their credit and get paid for doing it. Sounds too good to be true? Trust me, it is very doable and not all that hard. It isn't rocket science and it isn't some dumb patriot trick.

It isn't free either because you have to pay a $350.00 filing fee unless you can qualify to file your cases in Forma Pauperous. But since your defendant has to pay your court costs and other miscellaneous expenses and maybe pay you attorney fees on top of the other terms and conditions of your final settlement the net effect is that it is not only free but you get paid too. Especially if you can prove your damages. That's not hard to do in most cases.

Most people who do their own credit repair or hire credit repair companies often end up spending years getting the job done. If someone has numerous derogatory listings it can take several years using creditwrench methods as well because there are few who can handle more than one federal case at a time.

It wouldn't take all that long for you because apparently this is the only issue you have. You might easily get it done in 6 months or less but most spend a year or more on each case.

You only have to catch the collection agency violating the law one way or another and sue them in federal court for their violations and that isn't the least bit difficult. Furthermore, as the economy worsens debt collectors are getting desperate to make collections because people don't have the money to pay with. Unemployment is rising rapidly making the situation even worse. Unemployment is said to have risen by 400,000 last month.

All you have to do is keep careful records of every phone call, every letter and keep up with your records and it won't be long before you can have several violations to go to court with. You don't need a lawyer. Federal courts are very lenient with Pro Se litigants and will bend over backwards to be considerate but you do have to know and follow the rules or at least most of them.

We help you learn the rules and the procedures and eliminate mistakes you might otherwise make. We smooth the path for you so you know what to expect and how to deal with any problems that might arise in the process. We help you understand the process so you don't make the mistakes you otherwise might make.

Once you and your defendant(s) reach a settlement agreement it is submitted to the court for approval and it then becomes a contract which can never be broken without severe consequences and one of the terms you would demand is that any and all derogatory listings be removed from your credit reports.

That's how you can fix your credit. They put it there, make them take it off and insure that it never gets reported again nor sent to any other collection agency. That's the right way to fix your credit as far as I am concerned.

This video claims to be from American Credit Collections Video whether it actually is or not may be another matter entirely. If the consumer had been using the phone script in the audio linked below the video would have turned out much differently.

Try this trick on the next debt collector who calls. Funny video found on Youtube. But will it work? Creditwrench CEO Bill Bauer does not endorse this method of credit repair. It just might backfire on you somehow but at least it is a bit funny

In this video fictional characters John and Betsy discuss becoming Creditwrench students. While the characters are fictional the audio portion is a real conversation with a debt collector named Patrick Bateman who has long ago left his employment as a debt collector. Creditwrench CEO Bill Bauer demonstrates his famous 18 questions in operation against Bateman who apparently thought he had an easy mark to call. He very quickly learned differently, of course.

18 questions to ask debt collectors

Creditwreench CEO Bill Bauer discusses abusive debt collectors, their phone calls and how to deal with them in this powerful video

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