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Collections Law/Creditwrench
All Reviews from Users
Column Headings: K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness
N = Nominated for Expert of the Month
| Date | User | K | C | T | P | N | Comments |
|---|---|---|---|---|---|---|---|
| 2009-11-13 | Sami | 10 | 10 | 10 | 10 | Yes | Thank You so very much!! |
| 2009-11-12 | Charles | 10 | 10 | 10 | 10 | Yes | Thank you but I can't afford the cost. Also an answer to your question why. They violated all the debt collection law and practices.Simply put Fraud. Charles K |
| 2009-11-10 | Linda | 10 | 10 | 10 | 10 | Yes | The answer was given quickly in a straightforward manner which I really appreciated. |
| 2009-11-05 | Jacob | 10 | 10 | 10 | 10 | Yes | Thank you, Bill, for very helpful insights about defending against the crookedness of the Debt Collection Industry. *You're the man* when it comes to knowing how to use the law to protect yourself when the courts, esp. state courts, seem to line up with the debt collectors, ignoring their sins, but regarding each private citizen with a debt as a deadbeat. Thank you. = Jacob |
| 2009-11-02 | Drew | 9 | 6 | 10 | 10 | No | Good website but this expert wants $400. for his assistance. |
| 2009-10-27 | Russell | 10 | 10 | 10 | 10 | Yes | |
| 2009-10-27 | Angie | 10 | 10 | 10 | 10 | No | |
| 2009-10-27 | Jacob | 10 | 10 | 10 | 10 | Yes | Bill, thank you for the SUPERB answer to my situation and great insights into the diabolical organization of the Debt Collection Vampires, uh, I mean companies. = Jacob |
| 2009-10-26 | Laura Lovett | 10 | 10 | 10 | 10 | No | Thanks for your time. |
| 2009-10-25 | Vic | 10 | 10 | 10 | 10 | Yes | Thank you so much for answering all my questions and giving me additional resources. I really appreciate it! Have a lovely day!! Perfect 10's!! |
| 2009-10-24 | Brent | 10 | 10 | 10 | 10 | No | |
| 2009-10-23 | Betty | 10 | 10 | 10 | 10 | Yes | Thank you for taking your time to help all of us understand. ~~Betty |
| 2009-10-22 | Sally | 10 | 10 | 10 | 10 | Yes | Thank you so much! Totally put my mind at ease. |
| 2009-10-17 | casey | 10 | 10 | 10 | 10 | Yes | |
| 2009-10-12 | Rachel | 10 | 10 | 10 | 10 | Yes | Clear and concise responses! |
| 2009-10-08 | Rachel | 10 | 10 | 10 | 10 | Yes | Thankyou so much for your honest and frank advice! |
| 2009-10-05 | K L | 10 | 10 | 10 | 10 | No | Good advice. After seeing a prime time special about two jail birds who owned and operated a collection agency after being released from jail, I am less willing to accept that all agencies are legit or at least following the books. The two offenders were using abusing scare tactics to collect money. I was shocked to discover how easily the public's financial information was made available to them and their employees. Use the law against them if you can!! |
| 2009-10-01 | Joyce | 10 | 10 | 10 | 10 | Yes | |
| 2009-09-25 | salina | 10 | 10 | 10 | 10 | Yes | I will let you know how it turned out. Thanks |
| 2009-09-18 | Carol | 10 | 10 | 10 | 10 | Yes | |
| 2009-09-15 | cj | 10 | 10 | 10 | 10 | Yes | THANK YOU SO MUCH for this help in this most difficult time in my life. |
| 2009-09-13 | Suzanne | 10 | 10 | 10 | 10 | Yes | |
| 2009-09-08 | Anna | 10 | 10 | 10 | 10 | Yes | TIA-Thanks in advance. I have done all that and it is in my county. Just needed to know should I request discovery now instead of waiting for court date to be set. Thank You again, Anna |
| 2009-08-28 | yana | 10 | 10 | 10 | 10 | No | thank you very much! |
| 2009-08-25 | George | 10 | 10 | 10 | 10 | No | |
| 2009-08-25 | yana | 10 | 10 | 10 | 10 | No | thank you very much for your answer |
| 2009-08-24 | Jennifer | 8 | 8 | 10 | 10 | Yes | Thank You so much for your advise. |
| 2009-08-20 | Cele | 10 | 10 | 10 | 10 | Yes | Thanks, I already knew that, but had to prove it to my elderly aunt. |
| 2009-08-17 | Edward | 10 | 10 | 10 | 10 | Yes | Thanks for all your answers. They were very helpful. |
| 2009-08-16 | Gino | 10 | 1 | 10 | 1 | No | Did not answer 1 of my questions. Was curt and seemed dis-interested. If you don't want to volunteer --DON'T!!! |
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Answers by Expert:
Creditwrench
Expertise
Debt Collections law, Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), federal law, how to properly answer court summons for collection cases, how to prepare federal cases against debt collectors, how to deal with debt collection phone calls.
Experience
I've been an active consumer advocate for more than 40 years and have helped hundreds of people win cases against debt collectors as well as helping them defeat demands for summary judgment lodged against them by banks, debt collectors and defeat mortgage foreclosures and keep their homes.
Education/Credentials
Paralegal courses for the most part.
I have been teaching people how to deal with judgments, mortgage foreclosures and other such problems both on and off the internet for many, many years. I am a Richard Cornforth information provider ever since 2000 and worked with many other organizations and causes since 1980. I was Oklahoma State Chairman for the nationwide drive to defeat the Constitutional Convention which was proposed by various factions within our federal government such as the Council of State Governments and the National Organization of State Governors who were working hard to organize a Constitutional Convention to be held in 1995 for the purpose of rewriting our American Constitution to be more acceptable to the United Nations. I worked with Senator Charles Duke of Colorado and Senator Don Rogers of California and many others across the nation to keep them from getting the number of delegate states required to lawfully hold a Con-Con and we were successful. I have worked with many other legislative issues in Oklahoma and have always been very successful.
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