I was just wondering how many people have or used CreditWrench?? I'm thinking about it...and would like some opinion on it ...before I do it. Cinder
He seems to know what he is talking about...I was just wanting other people's thoughts....Thanks Cinder
I have been using the system for over 3 months. Great results so far. Several unpaid chargeoff and collections removed. Great program. A lot of work though. It is well worth it though. The program and the work that is. roger
Frankly Speaking... Ms. Cinder: Since you asked, and ONLY because you haveâ?¦ The Bauer program is nothing new, but a rehash of old tricks and tactics. Some of these produce results while others can (under certain circumstances) get a consumer into trouble, or at least make matters worse. Albeit this doesnâ??t mean what Bauer offers should be avoided at all costs, because Bill does take the time to (try and) improve his knowledge base. But therein is the most critical point, Billâ??s lack of real-world experience. I had been one who was totally and completely against what Bauer provides, but have since lightened up on such notions. For one thing Bill isnâ??t proud when it comes to asking questions (on this board or otherwise), especially on issues heâ??s uncertain about. Yes, heâ??s a stubborn gent but not when it comes to correction by those he knows are more experienced, and/or have provided proof of his error(s). This is a very strong point to consider, because at least heâ??s open to change â?? and not stuck on the â??CreditWrenchâ? dogma! (In other words, Bill doesnâ??t pretend to know everything â?? a very good thing.) All and all what Bauer can do most is save you countless hours of time, while providing a few short cuts. Heâ??s done lots of the research required to dispense with most credit report issues, so you donâ??t have to. Iâ??d caution in one particular area, however, and that is if things get hairy. Meaning: I doubt Billâ??s level of experience can prevent certain events if the creditor takes a hard stand or calls a consumerâ??s bluff. Granted most of the time creditors and collection agents lay down, only because to contend nuisance issues detracts from their profit lines â?? and for few other reasons attributable to Bauer. Understand Iâ??m not necessarily knocking Bill Bauerâ??s program, only offering what you asked for; an opinion. I believe that as long as one understands that Mr. Bauer has some serious experiential limitations, and is willing to accept those. Then his program is likely worth serious consideration and participation, if one feels so compelled. Hay look at it this way, for what I understand the guy charges? One could say youâ??ll get your moneyâ??s worth and then some! Again, these are only â??MYâ? opinions offered at your request.
Re: Frankly Speaking... Ms. Cinder: The village elder, (that's what his hispanic name means when translated to English) is quite correct in much of what he says about me. For instance, he says That is quite correct. I have invented exactly nothing new myself. I didn't invent or write the Constitution and I'm not even smart enough to interpret what it says and put it to use where applicable to credit issues. I had to let others far more intelligent than I tell me what to do and how to do it. I didn't invent or write the Fair Debt Collections Act or the Fair Credit Reporting Act nor even the Fair Trade act, much less the Uniform Commercial Code. I've had to listen to what others who do know about those laws had to say about them and how to use them to my advantage. In fact, all my life I've had to learn what and how to do things from others. Never was smart enough to invent anything new that nobody ever heard tell of before. I'm quite certan that the village elder has done much better than I. His next sentence is also quite correct. In it he says About the worst trouble I can get a customer into is to get him drug into a court of law on a motion for summary judgement. It's happened before and it's going to happen again and again given enough time. And every time it has happened, it's happened within less than 30 days after the collection agency received a demand for validation. In every case, the collection agency made no attempt whatever to comply with the law, they just up and went to court. If and when that happens, the obvious answer is to get an attorney, file a timely answer and demand trial by jury. A judge sitting in judgement alone is highly likely to grant the judgement whereas a jury isn't nearly so like to be happy with collection agencies who treat one so shabbily. It's a well known fact in legal circles that juries aren't usually all that happy with collection agencies in the first place. On top of that, if the collection agency rushes to court, they were probably going to do it anyway and having sent a letter demanding validation and not getting it as demanded by law would give a person a leg to try to stand on whereas before he had none. The Village Elder's next statement is also quite true as anyone should be able to understand. No amount of experience is going to make any difference whatever in the event that the creditor takes a hard stand and decides he is going to fight it out in court regardless of the outcome or the cost. There are not, however, many so foolhardy that they would care to stand up in front of a jury and explain why they failed to obey the mandates placed upon them by the law. And we try to make certain that when the creditor gets to court (if indeed he ever does) the subject of discussion is not going to be how much is owed to him by the debtor but rather why he failed to obey the laws governing the conduct of his profession or business. The Village Elder is also correct again when he states And because of the fact that for some odd reason they usually get the sneaky feeling that it might just cost them a whole lot more to defend against a possible lawsuit than they could hope to gain even if they did win. Good lawyers are extremely expensive and can eat up thousands of dollars in legal expenses in a heartbeat plus the court costs If in contrast, they are offered a way out that costs them next to nothing, most have the intelligence to take the cheap and easy way out. As he correctly points out, their decision to take the cheap and easy way out rather than even taking a chance in court is not attributable to me. The next point is again at least somewhat correct I've only been whipping the pants off of debt collectors like him for the last 27 years or more. I really didn't get started at it until about 1970. It would not surprise me in the least if the Village Elder has a lot more years of experience as a bill collector than I do beating the daylights out of the likes of him. And all you have to do to come to the very logical conclusion that he is a bill collector is to look at the very last line of every one of his posts. Right there in black and white it always says And I respectfully posit the question, "How else would one turn a problem debt from red to black if it were not through the collection process?" I am quite certain that he will come back loudly proclaiming that it has nothing to do with the collection of debts but mystically has some connection to training rescue dogs on his ranch or at other times something to do with some highly influential position he has purports to have with the California court system. At least those have been his claims in several other posts of his. I can assure you that it's quite refreshing to see his sudden change of heart in one of his latter statements His history on this forum has always been to take vicious slams at anybody who has the temerity to oppose him or his profession. But then, everybody except the new comers to this forum are already well familiar with the Village Elder and his friendly, courteous posts.
Re: Frankly Speaking... Bill: Arenâ??t you over-reacting? After all the name of this forum IS â?Straight Talkâ? not Soft-peddled Points-of-view. And while itâ??s unfortunate youâ??ve taken offense at a â??straightâ? (honest) opinion, I make no apologies for calling things how I see them. Plainly your zeal to promote has blinded, if not completely crippled, perspective. Is this an example of the â??skillâ? with which you deal with creditors and, God forbid, collection agents? Iâ??m not going to argue, Bill. Youâ??re definitely entitled to express â??opinionâ? (however reactionary based), yet I challenge all readers to find where my history on this board, â??has always been to take vicious slams at anybody who has the temerity to oppose.â? Disagree, yes, but â??slamâ? without provocation? In any case, Bill, I suggest you think about your reactions to my post above. Iâ??m sure others already have.
Re: Frankly Speaking... Anthony: I have to agree with you on that too. The history is, of course, well documented with a simple search in the little search box. Most won't need to go to that much trouble, since their memories will probably serve them quite well. In order to refresh yours, the last time you took leave of this board for an obviously temporary vacation, it was amidst a flurry of opinions that were not too favorable towards your attacks. Then when public opinion got rather hostile, we heard no more from you up until now. However, I'm quite sure that your duties elsewhere occasioned your sudden departure, didn't they? You say that I took offense at your post this time? I didn't take offense or become angry over your post. Not at all. In fact, if you read what I said, I totally agreed with most of what you said and I made that quite clear. You kindly offered your opinon about the things that I post and I kindly offered my opinion about the things you post. Are we to understand that you somehow think that such should not be permissable in an open forum and that only your opinons should be heard? I thought your points were quite valid and I plainy said so. For instance, you said I totally agreed with you. I plainly stated that I have had no burning bush visions nor any stone tablets to bring down from the mountain. And you said and of course, although I didn't mention it, I did agree with you there too. And another point you made that I could hardly find fault with, All in all, there was really only one point that did raise my brow a bit was this one What is it that causes you to think that you have the experiential qualifications requisite to become my biographer?? Am I to presume that my translation of your name from it's native Spanish into it's nearest possible English equivalent tripped your trigger? Possibly you didn't understand that the name bestowed upon some ancient ancestor of yours was a statement of the great respect his peers of the time apparently had for the old gentleman whoever he may have been. I'm willing to bet he didn't get that title by slamming others while pretending to graciously offer his opinions but only because someone asked for general comments of those who might have had actual experience with the subject matter at hand. Maybe you should have only stated whatever actual personal experiences you have had with the subject matter at hand and left the personal references out of it. I only offer that comment in the hopes that you will come to understand how it might have been that your probably illustrious forefather gained the respect of his friends and neighbors that he obviously enjoyed so that one day you too might enjoy something other than the retributions you now garner. Of course, these are only â??MYâ? opinions offered at your request.
Re: Frankly Speaking... What does Anthony do for aliving if I may ask....are you debtor, creditor or collector?
Re: Frankly Speaking... The public NSI record shows this: The Mediation Office of M. Anthony Villasenor 19980-A Markham Street Riverside, CA 92508 US Administrative Contact, Billing Contact: Villasenor, M Anthony M. Anthony Villasenor 1688 Perris Blvd. Suite G-4 Perris, CA 92571-9494 Phone: (909) 943-0328 Although I don't know for certain what Mr. Villaseñor does for a living, it does appear that he is an intelligent, credible individual. That said, I thought that his posting about Bill was pretty nice. In the past he has slammed Bill pretty hard, but it looks like he's moderated his stand quite a bit. I'm guessing that's because there are so many of us here who Bill Bauer has helped through VERY difficult situations. It's hard to criticize results, as they say, LOL. With respect to Anthony Villaseñor's vocation, I suppose anyone could simply call, email, or write him and ask. Doc
Re: Frankly Speaking... Bill: I thought I made it clear I donâ??t want to argue. Albeit clearly your histrionic protests make it evident that even a slightly dissenting â??OPINIONâ? regarding your process, bears much truth. That is, considering you consistently spin issues out of proportion and mislead them who donâ??t know better. So be it, but in so doing you solidify my prior expressed views to your own peril. Yeah the latter is whatâ??s happening, and thatâ??s not in your best interests. And if you canâ??t act appropriately in your own best interests, how can others consistently expect you to do so for them? Once again (for them who didnâ??t understand the first time), Iâ??m not going to argue. Because it suffices to say that the more you whine, the more folks see my point. Whereas dealing with creditors and collection agents is far more about finesse, than huffing and puffing without substance. So Iâ??ll give you the last word, since youâ??re so plainly fearful of what others think. PS: â??Villaseñorâ? means, Master (or Mr.) of an/the estate: Villa, a traditional Spanish estate or rancho, plus señor combine to form the true definition of my last name. [;-)
Re: Frankly Speaking... Doc: Thanks for adding a bit of balance to the discussion as I appreciate your insights. Yes, itâ??s true regarding Bill Iâ??ve toned my opinions down considerably. Why? Because I admire his persistence in wanting to improve his level of expertise, and thought the guy deserved some credit while still maintaining my consistent concern: Bill lacks practical experience. Nothing wrong with that, unless he advises something inappropriate (which has happened) and a consumer acts on it. So far so good though, to Bauerâ??s credit.
