This is your first lesson in Creditwrench techniques
.The first thing you need to learn is what Creditwrench is and what it isn't. Creditwrench is not a credit repair company and it is not a debt consolidation company and it is not a debt elimination company.

Creditwrench is not a debt negotiation company either. Creditwrench is not a credit repair company because we never communicate with anyone other than our students for any reason whatsoever.

In order to repair credit one must communicate with credit bureaus, creditors or collection agencies.

We never do any of that. Not for any reason. Creditwrench does not negotiate with creditors nor with collection agencies nor attorneys for any reason. Everyone knows that if you owe someone money then that bill must be paid somehow.

Creditwrench does not change that fact in any way. Creditwrench does nothing to improve your credit ratings either. In fact, there are some instances when it makes your credit worse than it was to start off with.

That is because of the way that FICO scoring methods work and not because what we teach you is wrong. If you want good credit the only way to get good credit is to pay your bills in a timely fashion over a long period of time. So what we teach you often makes your credit worse than it was before.

So if you want good credit you will have to work to build it by making timely payments to your creditors and you very well may have to do something to increase your income in order to get good credit.

So what does Creditwrench do for you then? It teaches you what your rights are under the law and know the law and what your rights are under the law. The normal topic of conversation when the bill collector writes or calls is "You know you owe this money so why don't you pay your bills" and it's an argument you cannot win because they are right and you know you are right.

So Creditwrench teaches you how to change the topic of conversation to one that you can win and that topic of conversation is "Why did you violate the law and my rights under the law?" and changing the topic of conversation from one you can't win to one you can win easily puts you in the drivers seat instead of the loser's seat. It don't eliminate the debt but it sure can change the fact of who is going to pay the bill.

It can easily mean that in order to avoid going to court and getting sued for having violated your rights and the law you very well may be able to convince the bill collector that he ought to just pay the bill for you and take it off your credit report instead of possibly having to go to court and defend himself before a judge and a jury and explain why he violated your rights and the law.

All we teach is what the courts have ruled and what the FTC has said in their opinion letters. And the problem is that most folks often don't really stop to think about their rights or what they consist of. We do not do credit repair. We never contact any credit bureaus nor anyone else about you.

It is illegal for anyone other than a non-profit organization to engage in the business of credit repair. That was the decision of the US Federal District Court in Birmingham, Ala and so any company calling themselves a credit repair firm may be an illegal operation and soon out of business leaving you with having paid your hard earned money for nothing.

While we cannot make any guarantee whatever about how successful our methods might be, we can and do guarantee your satisfaction with what we teach. We give an unconditional no questions asked 100% money back guarantee that you will be pleased with our teachings. What more can we do to assure your satisfaction with our methods? If you are to properly
handle your collections problems you must be smarter and more knowledgeable than those who would attempt to collect from you, and that is exactly what this short course is designed to do.

It will make you far more knowledgeable than the average debt collector who might call or write you about a bill that you owe or are accused of owing and have failed to pay for whatever reason.

When you have finisher our short course you will be far more knowledgeable than the average debt collector about the laws governing the debt collection process.

That's all it takes. Do not be misled by those who make such obviously silly claims as are made by some that since the credit card company or the banker only made some entries in his journals he really didn't loan you anything so you have the right to sue them for defrauding you or something.

Or that some credit repair firm can magically get stuff removed from your credit reports. They might get some things removed but it usually isn't reliable and you can be led into paying high prices for many months, an enormous price in the end. Our methods do not magically eliminate your debts. The best you can hope for is that the collector will violate your rights so badly that you have an excellent chance of making an amicable settlement which would include their paying the debt for you and taking it off your credit reports rather than having to explain to a judge and a jury why they broke the law and abused you.

To illustrate the point, let us use a hypothetical situation. You owe Shady Sam the debt collector $1,000 so one day he drives up to your house and he takes a swing at you because you missed a payment. Of course, you could then file a suit on him in which a court might award you some figure, say $10,000.

No matter what Shady Sam did, he still has the right to collect what you owe him. So you would only collect the difference. So nothing here is going to teach you how to get out of paying what you owe. What you will learn here is how to defend yourself from the abusive practices of 3rd party collectors.

But at the same time, you should be aware that FDCPA plainly states that nothing in the law should be so construed as to disadvantage a 3rd party collector who obeys the law and does not abuse those from whom he attempts to collect while those who use abusive debt collection practices should be disadvantaged to the greatest extent possible.

So in order to win against a 3rd party collector, he must abuse your rights somehow and you must know what your rights are and when they have been violated. That is what we hope to teach you both in our free courses and in those really advanced courses for which we do charge for our lessons. This lesson covers what to do when you are called on the telephone by a debt collector and exactly how to handle the situation so that you win the day and not the debt collector.

You will leave him completely flabbergasted and defenseless right from the start. He will be very frustrated and unhappy to say the least. Don't be afraid to use the tactics that we are about to teach you because the debt collector cannot do one single thing to you because you followed our teaching.

The first thing to learn is that you should never talk to a 3rd party collector (collection agency) or their attorney on the telephone under any circumstances. Doing so can only hurt you and your chances for a favorable settlement of the bill.

When the debt collector calls, the thing you should be listening for is his reading you your rights before he starts trying to collect the debt. This is extremely important an they must read you your rights each and every time because it is a violation of the law every time they fail to do that.

And what is the reading of your rights? Ever hear of the Miranda Law? We will discuss that a bit later in depth, but at the beginning of every call the debt collector must say the following to you.

"This call is from a debt collector and any information gained will be used for that purpose."
You should learn to always control the call and never let the caller get the upper hand.

In order to do that you must immediately start asking the following set of questions first question should be
1. "What is the name of the company you are calling for?"
2. "What is their street address?"
3. "What state are they in?"
4. "What is the zip code?"
5. "What is their phone number?"
6. "What is the name of the company you are trying to collect for?"
7. "What is their street address?
8. "What state are they in?
9. "What is the zip code?
10 "What is their phone number?
11. "What is your full name?"
12. "What is your social security number?"
And since they usually won't give you a true name much less their SSN, that is your
opportunity to tell them that you do not speak to ghosts and simply hang up.

Naturally, they may call back and will probably be a little hot under the collar. And they will probably forget to read your rights all over again.

Violation #2!
Keep on asking his name and if he gives you a first name then demand a last name as well, hanging up each time they refuse.

Each time is another violation. Keep a written score in a journal. Just like you would in any other game. But never let the other side know what the score is! And be determined you are going to win the game because that is exactly what we are teaching you to do. They may call 3 or 4 times or more in any given day, and you do need to change tactics on them after the 2nd or 3rd call and move on to the next steps because you have to start building a paper trail and if all you do is play the same 1st inning over and over again you never will get anywhere.

You should always tell them that you do not discuss such matters on the telephone and that if they have anything to say to you they must put it in writing and send it to you by U.S. Mail. You cannot build that all important paper trail while talking to them on the telephone.

So you should simply tell them that you do not talk about such things on the telephone and that if they have anything to say to you they will have to send it to you in a letter and then hang up on them immediately.

Do that each and every time they call and you will soon put an end to the harassing phone calls and you will start to build that all important paper trail that you are going to need to arrive at a successful conclusion to your problems. Getting a good start in the right direction is extremely important and that is most certainly one of the first steps that you must take to get the job done.

In the event that you are harassed at work about what you owe, you must immediately send them a properly crafted cease & desist letter demanding that they not contact you at your place of employment for any reason whatever.

This is legally binding upon them provided that you send it Certified Return Receipt Requested by U.S. Mail. Be sure to keep the receipt and the green card which the US Post Office will return to you so that you can prove you sent it and that they received it in case you need to do so.

Once they have received it and you can prove it you have a lethal weapon to use against them in court if they so much as dare to cause you any problems at your place of employment.

Your rights are important and the courts will help you protect them. The California 1st Circuit Court of Appeals has recently ruled that debtors can now sue collectors for their violations of FDCPA and credit bureaus for their violations of FCRA and this is an important new weapon in the fight for justice and your rights under the law.

There are other ways in which you can control what happens when you pick up the phone and there is an unwanted bill collector on the other end of the line. One way is to ask them to please hang on a moment while you change the tape in your tape recorder.

They will probably object to that and say that you cannot legally tape their conversations with them. This may very well be true but just because you say that you are going to tape them does not mean that you actually did. You can tell them that it is only for training purposes or whatever, and that if they don't want to be taped recorded they might not want to speak to you because you tape record all conversations for the purpose of being able to recall what was said at a later time when you want to refresh your memory.

The point you should make with them is that if they don't want to be tape recorded then they should simply not call your number. In some states it is illegal to tape record a conversation, especially once the other party has objected.

But you also have the option to inform them that if they want to talk to you without being tape recorded then they will have to send you a letter which is the whole purpose anyway. Tell them that they can rest well assured that any time they call you the call will be tape recorded whether they like it or not. Another ploy you can use is to have a small transistor or other radio near the phone and tell them that there is a policeman at the door and would they please be so kind as to hang on for just a moment while you answer the door.

Then turn on the radio and put the phone down on top of the radio and turn the volume up fairly loud. Enough so that it will be a bit painful to them to hold it to their ear and will have to put the phone down or hang up. When you go back about 10 minutes later you can bet that the line will be dead and nobody will be on the other end. If you have caller ID you should have your phone line set so that it will not accept calls from those who block their caller ID so you don't know who is calling.

When they call and you don't want to answer the phone, simply turn on your radio and lift the handset and let the radio do your answering for you. All things considered, however, it is best to accept the calls for a little while and be certain to keep a log of all the calls you receive from the bill collectors even though you chase them off, but even though you have sent them a cease & desist letter you should never tell them they are violating the law by calling you.

Let them break it all they want to and you keep track of each and every time they do. Such evidence will come in very handy if they ever haul you into court and you can show your carefully constructed log of their violations of your cease & desist order.

Whatever it takes, you must build a paper trail of all the things that happen and you should keep a good record of all such events in case you need it. If you don't have that all important paper trail you are going to have real problems if you ever have to prove your case in a court of law.

But when it comes to tape recording conversations there is an awful lot of controversy over whether or not it is legal. Federal law says one thing and almost every state has it's own set of laws. about tape recording conversations. But it is the state laws that are the most important. And what is likely to be the controlling law may very well be determined by the laws in the
state from which the call originated. Federal law generally states that it is permissible to tape so long as one party of the conversation is aware that the call is being taped. Your state may have the same law in that only one person need be privy to the conversation and aware that it is being taped while the other state where the calling party resides or is calling from may be a two party state which demands that both parties to the conversation be aware and have given consent to the taping before it is legal to tape record the conversation.

If that other state is a two party state and your state is a one party state you may not have any problems in your state but if you happen to go on vacation it might be wise not to visit that other state because you could have a warrant out for your arrest for illegally taping a phone conversation.

So it's generally not a good idea to tape a phone conversation and it probably would not be admissible as evidence in a court of law even if you did tape it. On the other hand, most states allow a conversation to be played to an officer of the law if the reason for the taping was to gather evidence of harassment or other illegal activity.

In most states it is also legal for a 3rd party to be "eavesdropping" on your conversation and writing down everything that was said. That is legal and can usually be used as evidence in a court of law so long as the person who did the eavesdropping is willing to testify to what they heard and wrote down, made notes of. It can also make a difference if one or more of
the parties were using a cordless phone because then you can run into problems of having recorded or illegally intercepted a radio transmission

That's another whole set of laws. So the entire body of law regarding phone conversations and the taping of them still has a lot of defining to be done. It's usually better not to tape or if you do then don't ever let anyone know that you are actually taping their conversation. But it would not be illegal to inform the other party that you are taping and refuse to speak to them unless they consent to such taping. And if they refuse to be tape recorded then tell them they will be taped each and every time they call your number and if they don't want to be taped then don't call and hang up the phone. The whole point is that it's your telephone and you pay the bills on it and you have a right to determine who calls you and what goes on when they call you.

You have the right to deny them the usage of the telephone that you pay the bills on. It's your telephone, not theirs. And you must build a paper trail which you cannot do using the telephone. You should also consider the purchase of a special device from Radio Shack or other such source which will record the time and date of all calls, all the normal caller ID
information normally available and give you a printout of that information, keeping a log of what goes on.

If you can set up a special computer with a modem which has full caller ID functions on it you can hook that up to your phone line, set it up so that it is capable of playing music back into the phone lines and shutting itself off if the other party hangs up and with the right software you can do an awful lot with such a computer.

Programs are available for such computer systems that will do just about anything you want it to do. It don't have to be a really fancy computer and it can also be your fax machine sending and receiving faxes as well as handling your messages, keeping track of all calls and the caller ID information.

Such a computer and all it's software can be set up for well under $500.00 since it doesn't have to be a really sophisticated machine at all. An old 486 machine can handle the job quite well and you can get those for a song anymore from flea markets or other cheap outlets.

You can usually get one of those that are up and running for anywhere from maybe $25 to as much as a couple of hundred. The special caller ID modem can be a bit of a pain to find however.

There is another important first line of defense against bill collectors if you are deeply in debt. Some of your creditors will make offers to help you out of the mess you are in. They will often reduce payments for a time and even reduce or eliminate extra charges in order to help you out.

If you can possibly keep at least some of your credit cards you should never reject such offers to help rebuild your credit and keep yourself out of problems. There is also a method that Creditwrench teaches that can help you salvage your credit and get rid of late pays and some other derogatory comments on your credit reports.

This is a very powerful set of letters that will often get the job done. Ask us about it. http://pub50.ezboard.com/bcreditwrench
http://www.creditwrench.com
ceo@creditwrench.com

Phone 405-616-7901