The mighty Mike Mirras

The mighty Michael Mirras who might be thought of as the Mighty Mike by a few of his recent followers may have stubbed his toe while trying to leap tall buildings and dodge the speeding verbal bullets of the invincible Creditwrench CEO Bill Bauer. Or at least it seems that such might be the case. He seems to have disappeared from all the talk radio shows after having made a very brief appearance on just about all the shows I've been able to find lately. He seems to have had a falling out with one M.E. and the YRIITL talk shows or conference calls, he was on the Randy Kelton show for a very short time and now seems to have also disappeared from the Oracle broadcasting network shows on Sunday mornings as well. Only time will tell. He may pop up somewhere in the future and of course if he does I'll find him again and we will see if he has finally learned a bit more about FDCPA, FCRA and the other consumer protection laws.

Endless fraud dection - Michael Mirras

True to his normal modus operandi he once again gives a customer false and misleading information on his radio show of May 13, 2010. In that broadcast he told a lady about some poor person he claims to be helping in Kansas. He apparently informed the person from Kansas that the Kansas statute of limitations is 3 years. A check with Lawdog.com reveals that the statute of limitations for credit cards in Kansas is 5 years not 3 years because credit card agreements are not oral agreements but rather written agreements.
Here is Mike telling this lady from Connecticut that the Kansas statute of limitation is 5 years.

Listen to this incredibly false and misleading information about the Kansas statute of limitations on credit card debt. But that isn't the worst of it. Michael Mirras is going to have this poor fellow from Kansas file a complaint with the Kansas State Attorney General because he thinks they filed outside the statute of limitations. But even if they had filed outside the statute of limitations (which they apparently didn't do) there is no state law saying they can't file outside the statute of limitations. They can file outside the statute of limitations and if the defendant does not file an appropriate response they can get a judgment and get it enforced. So Mr. Michael Mirras, before you sell the gullible on the supposed benefits of your system you really need to stop providing them with such false and misleading information.

Then listen once again as Michael Mirras contradicts his own statements with even more false and misleading information.

Michael Mirras doesn't teach on any of his shows either. If he did he would have corrected Sonia when she made the following statements.

Shame on you Mike! In my opinion you ought to know better than to let that tomfoolery go uncorrected if indeed you did know better. But maybe that is too much to expect in view of all the other false and misleading information you provide.

Here is what one person who purchased your so called courses had to say about them on a forum called "Myrland's Methods" which I'm sure you are well familiar with. Quite a testimonial indeed.

Creditwrench, thank you for the kind words. I also appreciate your candor on the subject, and always look forward to you're input on issues like these. I am however, upset at some people you know, well lets say plagiarists that stole your info, concepts and are now making quite a nice living off of them. You know, his initials are MM. He sure likes to talk allot about how HE figured out, how to go after the DCs, CBs and CR. Heck, he even has a marketing specialist promoting "his" (your) info on the web. I can't believe I fell for his story.... but like I always say, live and learn.

Personally, I don't see how he can sleep at night.

Frank

Quite a testimonial and should serve as ample warning to all who contemplate getting suckered into buying your so called "Mirras system".

Michael Mirras does Memorial Day 2010

The Michael Mirras Memorial Day show talk show was indeed something to be memorialized. Let's listen to some excerpts from the show. One short recording really says it all. Here it is. Great advice from Michael Mirras.

Now let's see a few examples

of what he might be talking about above.
Michael Mirras might be talking about the case of Spears vs. Brennan which was a 7th Circuit Court of Appeals case which had 4 main issues which the court was asked to rule on. While the case was about debt collection and debt collection agencies, it said nothing at all aobut what constitutes validation of the debt or what evidence a debt collector must provide to a consumer who demands validation. Nothing at all. Keeping that firmly in mind, let us listen to Michael Mirras explain the case and what the ruling of the case was on the matter of debt validation.

Michael Mirras explains the case of Spears vs Brennan and what the court ruled on.

Michael Mirras has been told about how to respond to a local court summons and complaint on my Friday night conference calls. It seems that the explanation of how to defeat local court actions could be a bit better.

Then we can learn all about Due Process of Law from Mr. Michael Mirras, a real expert on Due Process of Law. Let me give you a bit of information about the concept of Due Process of Law. First of all, the Constitution pertains only to government and limits it's powers. The Due Process Clause falls under the 5th amendment to the Constitution and says that government shall not deny any citizen of his or her due process of law rights. Government shall not deny. That is important because it means that no private person can possibly deny another citizen of his due process of law. The 5th amendment applies only to the federal government while the 14th amendment guarantees the citizen that state and local governments cannot violate his/her due process rights under the law. So now I turn you over to Mr. Michael Mirras and his outstanding dissertation on due process rights.


Next we need to listen to Mr. Michael Mirras describe the Federal Court System and how it works. In this great audio Michael J. Mirras discusses what happens as the federal case against debt collectors moves forward. Notice that he talks about the pre rule 26(f) meeting. At least that's what he says it is. I always thought it was called a status report. Michael Mirras and his pre 26(f) meeting and how it works.


In this next recording Michael Mirras of themirrassystem.com tells us all about recording phone calls from debt collectors.

And then he tells how he keeps from getting into trouble for recording phone calls without informing the other party. Sheer genius.

Then Mike Mirras comments on the unfortunate death of Mr. Jerry Kane.

The Proof that Michael Mirras is a plagerist.

Michael Mirras

claims to have what he calls his 18 questions to ask debt collectors when they call among other things. He talks about them as though they were his invention which is not true. He copied them from my web site at My 18 questions to ask debt collectors every time they call

Now then, unless I can prove what I say then Mike could come after me for violating his copyright or for other causes including saying that since he stole my original work he is a thief. So in order to prevent that from happening I must be able to prove when I put them on the web and I must be able to do that in a way that is authoritative.

Have you ever heard of the wayback machine? If not then let me tell you about it. Or better yet, go learn about it for yourself.

Welcome to The Internet Archive Wayback Machine Sep 11, 2001 ... The Internet Archive Wayback Machine puts the history of the World Wide Web at your fingertips.

If you go to the wayback machine and put http://www.creditwrench.com/18questions.html in their search box you get this web page. and it says that the first date that the wayback machine found that web page was August 10, 2004 and of course it was there on my website for some time before the wayback machine found it.

That proves beyond any shadow of a doubt who invented the 18 questions and it definitely was not Michael Mirras.

Michael Mirras does not have any such thing as a system either. There is no such thing as a system that will beat your creditors out of their money. The only "systems" out there are the legal systems invented by the legal profession, the various legislative bodies and the courts. They own the only "system" out there. The only thing that can beat the "system" is knowledge and applying your knowledge to doing things the right way.

Michael Mirras has absolutely nothing new to sell you.

Michael Mirras and his 18 questions

Mike Mirras's 18 questions

On his radio show May 16th, Mike spoke about his 18 questions which he has in his course.

Here is the recording from that talk show so we all know what he said.

Now then Mike where did you hear about that business of how a debt collector will react when you ask for their social security number? Did you make that up all by yourself or did you hear it by listening to this recording with debt collector Pat Bateman which has been on my web site at creditwrench.com/18questions.html?

It sure sounds strangely like what you said and what has been on my web site ever since May of 2000 are one and the same. How about it Mike? Why don't you start telling the truth about where you got your 18 questions and the stuff you told that poor lady and many more like her? Of course, if you did then you would admit that you got all your stuff from me. That wouldn't be good for sales, now would it?


And why don't you come up with something new to talk about Mike? Your speeches are all becoming little more than canned crap over and over and over again.

Oh yes, I forgot. You have something totally new that you are working on with the help of somebody else but you can't talk about that yet.


Will that be something new and original or just another copycat process?

The real Michael Mirras

Michael Mirras

Mike Mirras who is a long time student of mine is accusing me of setting up false blogs and besmirching his good name. The truth of the matter is that my business ethics will not allow me to do such a thing. Instead of that I will simply let Mike tell it in his own words. The following recordings come from several years of his being on my regular Friday night conference calls. I don't have to bend the truth in any way. The following recordings from my Friday night conference calls should tell the real story.
You too can participate in the Friday night conference calls. They are held every Friday evening at 7:00 P.M. Central Time. The call in number is (712) 432-1601 and the pin number is 508548 followed by the # sign.

You too can become a Creditwrench student and learn how to deal with your problems the right way. I'll teach you how to deal with abusive debt collectors. I've been around the 1nternet and teaching people ever since 1982. I'm the real deal.


Mike Mirras talks about the creditwrench group


In the following recording I talk about how to prepare your ID packet for credit bureau disputes. If you prepare a document that shows your SSN and your drivers license blown up 200% it will be easy for them to read it. Never copy your SSN or drivers license regular size or in color. If you do you violate federal law and can be prosecuted for doing so.
Credit Bureau ID preparation


Mike Mirras often talks about Mark from Rhode Island. Here is Mark's story from his own mouth. Mark from Rhode Island.
Mike Mirras says I taught him too good.Mike Mirras says I taught him too good.


How about those 18 questions? Mike Mirras and the lady from Texas who sued a debt collector for 1.4 million dollars tell about the famous creditwrench 18 questions. The 18 questions by Mike Mirras and Marcy S. from Texas


Mike Mirras talks about the 1099OID process
As Mike Mirras says, "I don't hide too well"
Creditwrench.com
Creditwrench videos

The Creditwrench google site
The famous creditwrench 18 questions to ask debt collectors every time they call

Bill Bauer
3620 S. Parkview Ave.
Oklahoma City, Ok 73119
(405) 237-2174