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September 1, 2009


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Published in: Economy & Finance, Business
  • Hi

    My name is Marcie Salmon and I filed this lawsuit in Federal court. Bill Bauer of Creditwrench wrothe the comments in red. He unfortunately is very confused about what I did and why I did it. Perhaps when I reach the age of dementia I may make the same mistakes, but I hope I do not slander people with my distorted views.

    This case had little to do with the US Constitution. It was a much simpler case. I was nevr attempting argue any part of the US Constitution. I did not do anything illegal in this case as Bill Bauer implies.

    I was a part of Creditwrench for a brief time and made some friends there. However, Bill Bauer began giving legal advice that was really wrong and I could not allow such gross mispresentations to continue. I tried to talk to Bill Bauer about this but he just got real angry and has sicne decided to slander me by posting things like this. The comments in red written by Bill Bauer of Creditwrench are not correct and have nothing to do with my case. I won the case and Arrow Financial did settle with me and it was tax-feee since I did not ask or demand any punititve damages.

    I enjoy helping others who deal with debt collectors who break the law to try and collect money from regular people like me. If you want to talk to me about this case or what is going on with you- then contact me at

    I feel bad for Bill Bauer of Creditwrench, he is between 70-80 years old, drives a pickup that is at least 25 years old, lives in a bad neighborhood in OKC and seems to be dealing with dementia and it is getting worse. He thinks by attempting to discredit me or other people like me that this is best way to make money.

    I asked Bill Bauer of Creditwrench to not do things like this- I can see he has no ethics and canot keep his word.
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September 1, 2009

  1. 1. September 1, 2009 Arrow Financial Services LLC 5996 West Touhy Ave Niles, IL 60714 Attn: General Counsel RE: CASE NO CIV-09-00946, MARCIE R SALMON VS. ARROW FINANCIAL SERVICES LLC, FILED AUGUST 27, 2009 IN THE WESTERN DISTRICT OF OKLAHOMA. RE: THE PLAINTIFF’S FIRST OFFER OF SETTLEMENT TO THE DEFENDANT TO WHOM IT MAY CONCERN: The Plaintiff in the above referenced matter wishes to make an offer of settlement to the above named Defendant. The Defendant must answer the Plaintiff with consent to settle or make a counter offer to the Plaintiff no later than September 7th, 2009 by 3:00PM CST. This is a brief summary of the settlement terms offered by the Plaintiff: Defendant pays monies in the amount of $657,131.25 which is 50% of the original amount the Plaintiff is seeking should this matter go to trial by jury. Defendant agrees not to sell, transfer, assign, recall, or do any kind of activity further with regards to the alleged debt. Defendant agrees to remove permanently all reported information regarding the alleged from all credit reporting agencies, to include either or, E-Oscar form or Universal Data Form (UDF) to the Plaintiff immediately upon execution of all settlement terms. Defendant agrees not to send to the Plaintiff a 1099, W-2, W-4, or W-9 form, nor will the Defendant report the monies to the IRS or other tax authority. Where does Marcie come up with this one? Has she never read the Constitution? It plainly says that citizens may not contract to do that which is illegal for them to do. 26 U.S.C. 2650-P plainly states that it is required that all unpaid debts be reported to the IRS via a 1099 form. Failure to do so can result in fines varying in amount from $50,000 to $250,000 per each failure to report debt that has been charged off by the creditor. By the same law, Arrow Financial cannot file a 1099 on Marcie's debt unless it knows for fact that the original creditor has not done so. If Arrow knows for certain that the original creditor has not filed a 1099 on the debt then by law it must be reported to IRS. Plaintiff will upon execution of the above 4 terms and upon the clearance of the check through the Plaintiff’s bank, move by Motion to Dismiss the matter in its entirety and the Plaintiff will do this immediately if all the above terms and conditions have been fully executed by the parties. Of course a more formal Settlement Agreement will be drafted, signed, and executed. This may be required to submit to the court upon the Motion to Dismiss being filed and being granted. If the above terms are agreeable to the Defendant please inform the Plaintiff immediately so that all actions may commence immediately. Please have your attorney or legal representative who is authorized to perform such action contact me by phone to discuss or any questions your organization may have. Plaintiff’s phone number is 405-330-8068.
  2. 2. Please inform her so that all actions may commence immediately? That seems a bit off target to me. Seems to me that CEASE would have been much more appropriate. Don't seem to me that offering a half price settlement before the defendant has even been served is a great way to prosecute a case either. Sincerely, Marcie R Salmon, Plaintiff