This document summarizes the services provided by Creditwrench, a company that teaches consumers how to defeat abusive debt collection practices without lawyers. It includes contact information for Creditwrench, links to videos and podcasts, and a question and answer forum where the CEO provides advice to consumers dealing with debt collectors and lawsuits. The CEO advises consumers on strategies for defeating lawsuits in local courts and provides information on filing federal lawsuits against collectors who violate laws.
TO KNOW THERE IS INJUSTICE AND BE SILENT, IS INJSUTICE; PROSECUTORIAL MISCONDUCT, PROSECUTOR MISCONDUCT, WILLIE GENE WOODARD, PHOENIX, ARIZONA, KEVIN RAPP, MONICA KLAPPER, JUDGE ROSENBLATT, DAVID LOCKHART, WRONGFUL CONVICTIONS, POLICE MISCONDUCT, FBI, U.S. ASSISTANT ATTORNEY, FEDERAL JUDGE, SUPREME COURT, INJUSTICE, WILL G. WOODARD, THE STAND, REDEMPTION STAND, BOUNCING FROM THE BOTTOM TO THE TOP, IN JESUS NAME, ROBERT MARGOLIS, AMEN.
UNFAIR, DECEPTIVE
AND UNCONSCIONABLE
ACTS IN
FORECLOSURE CASES
http://www.stayinmyhome.com/blog/wp-content/uploads/2011/01/Foreclosure-Report-from-Florida-AG.pdf
TO KNOW THERE IS INJUSTICE AND BE SILENT, IS INJSUTICE; PROSECUTORIAL MISCONDUCT, PROSECUTOR MISCONDUCT, WILLIE GENE WOODARD, PHOENIX, ARIZONA, KEVIN RAPP, MONICA KLAPPER, JUDGE ROSENBLATT, DAVID LOCKHART, WRONGFUL CONVICTIONS, POLICE MISCONDUCT, FBI, U.S. ASSISTANT ATTORNEY, FEDERAL JUDGE, SUPREME COURT, INJUSTICE, WILL G. WOODARD, THE STAND, REDEMPTION STAND, BOUNCING FROM THE BOTTOM TO THE TOP, IN JESUS NAME, ROBERT MARGOLIS, AMEN.
UNFAIR, DECEPTIVE
AND UNCONSCIONABLE
ACTS IN
FORECLOSURE CASES
http://www.stayinmyhome.com/blog/wp-content/uploads/2011/01/Foreclosure-Report-from-Florida-AG.pdf
Creditwrench teaches consumers how to deal with abusive debt collectors and beat them at their own game. Make them pay you to go away and leave them alone! Stop abusive phone calls easily.
Fist time Home buyer in Washington DC AreaDCRealtyOnline
Find what it takes about buying home in Washington Dc area. If you are first time Home buyers you need to know all the details of Home buying process such as Home Inspections and Financing and Apprisal and more
A personal, no asset bankruptcy is known as Chapter 7. For this type of bankruptcy, our clients keep all of the assets they want to
keep (home if it qualifies, motor vehicle, personal property, clothing, etc.) and discharge all their consumer debts. We will work with you to determine that all of your assets are kept protected from the creditors.
How to Obtain Your Credit File and Repair Your Credit ProblemsWhichdeal Limited
By visiting http://www.creditplus.co.uk you can get more information on the issues discussed in this credit repair guide, including a free tool to check your credit rating.
This easy to follow guide walks you through the process of understanding and repairing your credit rating, it is meant for use in the UK.
Rooms To Go credit card is a great option for consumers who do not essentially have the funds to buy furniture, but if they are given the option to pay over the course of time, they will be able to do so easily.
Creditwrench teaches consumers how to deal with abusive debt collectors and beat them at their own game. Make them pay you to go away and leave them alone! Stop abusive phone calls easily.
Fist time Home buyer in Washington DC AreaDCRealtyOnline
Find what it takes about buying home in Washington Dc area. If you are first time Home buyers you need to know all the details of Home buying process such as Home Inspections and Financing and Apprisal and more
A personal, no asset bankruptcy is known as Chapter 7. For this type of bankruptcy, our clients keep all of the assets they want to
keep (home if it qualifies, motor vehicle, personal property, clothing, etc.) and discharge all their consumer debts. We will work with you to determine that all of your assets are kept protected from the creditors.
How to Obtain Your Credit File and Repair Your Credit ProblemsWhichdeal Limited
By visiting http://www.creditplus.co.uk you can get more information on the issues discussed in this credit repair guide, including a free tool to check your credit rating.
This easy to follow guide walks you through the process of understanding and repairing your credit rating, it is meant for use in the UK.
Rooms To Go credit card is a great option for consumers who do not essentially have the funds to buy furniture, but if they are given the option to pay over the course of time, they will be able to do so easily.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...
CREDITWRENCH
1. CREDITWRENCH
Creditwrench teaches the secrets of the debt collection industry and how to defeat their abusive
practices without lawyers. We know how to win!
Photo of Creditwrench CEO Bill Bauer
3620 S. Parkview Ave.
Oklahoma City, Ok. 73119
(405) 237-2174 (405) 227-9423
Email me
Message forum
Creditwrench videos Creditwrench podcasts
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Learn more FROM OUR
FAQ SHEET
Monday, August 10, 2009
Lawsuit by Discover Card
Question: QUESTION: Hello Bill. I received a letter from an arbitration company telling
me that a civil lawsuit from Discover card is on its way regarding some credit
card debt. We don't deny the debt and paid our bills until we ran out of money.
My husband and I have been unemployed for a few months now but we are
actively looking for work. The only asset we have is some computer equipment
and a car we are still paying (in other words, it still belongs to the lender.) We
have a couple hundred dollars in the bank which we are using for food. Our
situation is desperate and we have told the collection agents so but to no avail. I
guess they have heard similar stories so many times from so many people.
The company sending the letter even mentions the civil suit by number so I will
2. go to the courthouse tomorrow to learn how far along the civil suit is.
I read your comments posted on your website and most likely, in civil court,
Discover card will win because we don't (and never have) denied the debt.
My question is: If I don't have a job and virtually no assets, what will happen
after the judgement is entered against me?
Your response is welcome and greatly appreciated.
MAR :(
ANSWER: What arbitration company did they use? NAF? It isn't because you
have never denied the debt that they will win. And you want to know what will
happen after the judgment is entered against you? Next they will probably go for
an assets hearing and force you to go in to court and tell them where you bank,
where you work and all about your assets, income and the like. They can and
probably will grab any money you have in your bank account and you will go to
the store one day to buy groceries and you won't have any money in your bank
account to pay for them. Count on that and keep your bank account drained down
to nothing or next to it. Then one day you will get a job and find out that your
check has been garnished too. And just what do you mean by "virtually" no
assets? Now then, since you have already assumed that you probably can't win in
local court then maybe you would do well to learn how to beat up on them in
federal court. But on the other hand, don't forget to tell me what arbitration
company they used because that can be the key to keeping them from getting a
judgment in the first place. I wouldn't give up on winning in local court just yet.
Maybe all isn't lost just yet.
image: Collections-Law-912/2009/08/click-enlarge_313.gif
---------- FOLLOW-UP ----------
QUESTION: Hello Bill,
Thank you for reply. I'm grateful for the information you provided. It helps a lot.
I was afraid but thanks to you I am learning about this process which is new to
us.
WHAT ARBITRATION COMPANY DID THEY USE?
The arbitration company turned out to be a scavenger agency trying to "help us
reduce the debt" for a fee. I went to the courthouse to check if the case was active
and learned there is a hearing later this month.
WHAT DO I MEAN BY VIRTUALLY NO ASSETS?
We don't own a home nor do we have a mortgage. We are paying a car which is
our only means of transportation. We incurred the Discover card debt to buy a
printer, a computer, and some computer accessories so my husband could start a
3. business. We have been unemployed for a few months now. The money we had
saved was used to pay bills until the money ran out.
I assumed we could not win in local court because I read all the answers you
provided in your website. Specifically that 94% of the cases brought to court are
won by the credit card companies because the judge only cares if the debt is
valid. While at the courthouse I went into the court room and spend a few hours
listening to the cases presented that day and all the cases before the judge went
very rapidly. Of the 30 cases before the judge that day all 30 were won by Chase
and Capital One. The only case that required postponment was a man who filed
for bankruptcy. It seems the only solution available is to file for bankruptcy. We
don't have the funds to pay a lawyer for bankruptcy nor are we well versed in
legal proceedings. Denying the debt will only delay the inevitable.
This is the reason why I decided to contact you. You seem to know a lot about
the law. Any information you could provide will be greatly appreciated.
I'd advise you to start learning by checking out some of my comments at which is
a links page leading to many other docs pages which I and others have written.
There is a great deal of information in those links that will be helpful to you. I'd
like to get a look at the papers you get from the courthouse. You can scan them
into image files and send them to me at ceo@creditwrench.com or you can also
copy them then redact all the personal information then scan them and upload
them to your own Google Docs page and either email me the links or post the
links here. It is not necessary to file bankruptcy at all. Doing so is very
expensive, time consuming and the results are usually pretty devastating in many
ways. The only way it is worthwhile is if you have a huge amount of debt and a
great deal of assets which are still insufficient to pay off all that you owe. I'd say
that if you owe less then $50,000 it probably won't be worth filing BK. I wouldn't
Answer:
worry much about smaller debt because you can easily make those and resulting
judgments go away by catching them breaking the law and filing one or more
federal lawsuits against them for those violations. That's what I teach people how
to do as well as how to do battle with them in local courts. Fighting in local
courts is well worthwhile even if you end up losing which, as I predict, is
probably inevitable. That is because they always violate federal law giving you
grounds to take them to federal court and make it all go away. It really isn't all
that hard to do. Just takes a bit of time and effort and you will learn very quickly
how to win even though you might lose at local court. Again, I'd like to get a
look at the court paperwork because the statement you made about some outfit
ostensibly trying to help you and now filing a lawsuit against you is intriguing to
say the least.
Labels: Arbitration, Bankruptcy, Business, Credit card, Google Docs, Law, Lawsuit, National
Arbitration Forum
Written at 6:44 AM by Creditwrench.
links to this post
4. Tuesday, July 28, 2009
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.
Written at 1:57 PM by Creditwrench.
links to this post
Saturday, July 18, 2009
creditwrench's Google Docs links (http://ping.fm/ZMbaO)
Written at 7:57 PM by Creditwrench.
links to this post
Thursday, July 16, 2009
Richard needs help dealing with debt collectors (http://ping.fm/Xnrp7)
Written at 4:55 PM by Creditwrench.
links to this post
How to prepare your courtroom... (http://ping.fm/qAeKw)
Written at 4:48 PM by Creditwrench.
links to this post
Tuesday, July 14, 2009
5. http://ping.fm/hQR9e (http://ping.fm/hLb35)
Written at 12:01 PM by Creditwrench.
links to this post
Blogger: Improve Your Credit NOW! - Post a Comment (http://ping.fm/jXTJI)
Written at 7:42 AM by Creditwrench.
links to this post
Sunday, June 28, 2009
A web page archived by CREDITWRENCH has been shared with you
A web page archived by CREDITWRENCH has been shared with you through iterasi.
You can view this page by clicking on the link below:
7. A web page archived by CREDITWRENCH has been shared with you
You can view this page by clicking on the link below:
https://www.iterasi.net/public/archive/VAfXeGahM0S5aV9CEge72Q
(If the above link does not work, please copy and paste it into your browser)
8. Written at 7:39 PM by Creditwrench.
links to this post
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