Spoken like most lawyers I know. How many times did Johnny Cochran exclaim, "This is an outrage," without actually addressing the facts and issues on the table. Whether, sir, you have represented Credicure or other such companies in the past is not at all relevant to the problem. The problem is that your law office does not reply promptly to inquiries, and as far as my experience goes, everything was running smoothly until your law office took over my payments. Now I am receiving letters from creditors saying that they have not received payments in well over a month. What happened? I don't know. Everyone at the law offices of Richard A. Brennan appears to be on quite the extended vacation. Basically, what the hell is going on? Originally I was with USA debt management. Then before I know it, I'm with Credicure. Now without any notice from anyone, suddenly I'm with the law offices of Richard A. Brennan, and my creditors are NOT getting payments in a timely fashion. People are coming to this Web site for a reason, Mr. Brennen. They're not stumbling upon it randomly. They are here because they made a good faith effort to repair their credit, and your company is making the situation worse! You take money out of our accounts, you do God knows what with it (golf would be my best guess), and then you expect us to come up with the funds to take care of our credit card bills in addition to the money you have already automatically deducted from our accounts. Fantastic. What is YOUR basis for charging that the claims made on this post are "insinuation and misinformation"? Seems like the tone of this post is that you and your predecessors are doing one heck of a lousy job for the lot of your clients. A few seem to be making it through unscathed, but I'm not sure what they might be doing different from the rest aside from calling your office constantly during business hours and demanding satisfaction. You can keep my deposit. I'm withdrawing. I'd rather lose a few hundred bucks rather than watch my credit score crash through the floor because of your ineptitude.

IGNORE THEM! I somehow went through a consolidation process with United christian Finanical and everything got transferred to them. They are so hard to get a hold of and they do not pay my bills!!!! BE GLAD YOU ARE NOT IN THE PROGRAM ALREADY.

I am currently with them for one of my accounts other than some slight delays they are tolerable to work with.

Do not do it. He has a bad track record and shouldn't be charging you a retainer for debt consolidation. debt management company that claim to be nonprofit, are suppose to offer their services for free with the question of a montly donation (which you can refuse and still get the service) This is a shady practice and I would be very careful. In other words decline the offer, you can do better on your own. Call your credit companies and tell them you are looking into consolidating your debt with a management company and 9 times out of 10 you can work out a good deal, and you will know exactly where your mopney is going every month.

I have recently signed up with Fidelity Reserves, which is now referred to as this Richard Brennan. I am a little nervous now after reading all of this, as they have deducted a payment out of my account. Help me out if anyone.

Does anyone have a suggestion on how to get my money back from debt settlement company? I started debt settlement with the Law offices of Richard A. Brennan (alias: Credicure) in April. It is now July and I have just now received a "Welcome Packet". I have had 3 payments taken out of my checking account and not one penny has been sent to my creditors. I'm now out close to $1500 for nothing! Futhermore, I cannot reach anyone at the Law offices. I have left messages by phone, email, and fax for over 2 weeds, but not one message has been returned. When I try to check on my account via the internet, the site is continually down and I can't even find out any information about my money! In the meantime,my creditors are calling me numerous times a day and I'm in tears! I've gotten to where I don't want to anwer my phone anymore. Before all of this, I wasn't behind on any payments but wanted a way to manage my debt since I'm a single mother. Now I'm months behind and my credit is a mess! What do I do now? I want to get out of this company but also want my money back, since they didn't distribute it as promised.

[anthony]

In Tears in Texas

I feel so much for you. I can understand when some scam company tries to steal the hard earned money during crisis. File your complaints with the AG's office in your area as they might be having many complaints against Richard A. Brennan. Also, if you can afford a lawyer, he can show you some direction. Fighting with these scammers alone is quite tough and time consuming. You should have researched about them earlier so that this situation could have been avoided. But anyways, whatever has happened can't be changed. Talk to some free legal aid in your area.

I have some very disturbing information about this "law office"/ CrediCure. I have been waiting for several payments to be made to my creditors. As of now my February Payment has not been sent to my creditors. The Brennan Law firm is a fraud. 100% fraud. of all my payments this year only 1 has been on time, that is of the payments they have actually made on my behalf. Recently I received a letter telling me that my account was being switched again to another company. Brennan Law does not and will not return phone calls, or e-mails. I evententually went right to Mr. Brennan, who is a lyer and absolutely immoral. In fact of all of the companies that have been being sued there is one common denominator...... Richard A Brennan and his involvement with those companies.

I retained all of the e-mails that he finally responded to nad sent them along with letter to the massachusetts Attorney General's Office along with a copy to the Maryland Attorney General's office. His organization's failure to make timely payments, or withold payments is a breach of contract and illegal. I have since reported this matter to local police and my bank asking that they make a case of wire fraud, which may sound far fetched, but the fact of the matter is that is stolen money, and when they refuse to make the payment and/or call you to explain why there is even more wrong doing. I urge all people who have issues with this company to file charges. I am also speaking with a reputable Boston attorney to file charges against this organization on behalf of anyone who is a member and wishes to be a part of the suit. Should anyone be interested please contact me via e-mail. For anyone looking into this company...... STAY AWAY!!!!!! They are scum!

My e-mail

I am willing to share my experience further with you give you all the options available (i.e. contacting your congressional leaders, Attorney General's office, BBB etc). Remember this Law Office is Scum!!!! :x

email address removed as per forum rules - Mike

I was with CrediCure. My payment had always been posted to my creditors on time. I never had any problem. Since Richard Brennan took over my account, I have had one creditor that has never been paid. When I call, I get a machine. When I am fortunate to speak with someone I get the run around. I have been told my creditor, Citibank, will not accept any more electronic payments. Citibank has vehemently denied this charge. They have advised me that they believe I am being taken advantage of by Richard Brennan. Brennan now has $518 of my money that has never been posted to an account.

I, too, am being scammed by the Law offices of Richard A. Brennan. They have nearly $1500 of my money and have not distributed it to any of my creditors. Some of you have stated that you have saved their reply emails for your records. I can't even get them to reply to my emails!Neither have they replied to my numerous phone calls and faxes. No one answers the phones at the company and their website has been down for months, so I can't even check on my account! I feel used!!!Yesterday, I put a stop payment on my bank account so they cannot withdraw anymore money. I have reported them to my local BBB. Is that the right route to take. This is all new to me and I'm upset and scared. I'm a single parent and ran up credit card bill when caring for my dying father last fall. Can Richard A. Brennan's office (aka Credicure) still withdraw money from my account even if I've put a stop payment? Can they take legal action against me? Can I take action against them for not holing up their end of our agreement?

I'm so frustrated and sick that I didn't do more research before I hired the Law Office of RAB to represent me. I signed my contract back in January, and have been making payments every month since...tell me why they have not even contacted my creditors yet!?

If you leave a message they don't call you back. I called today, was put on hold and then disconnected after a half hour of waiting. And when you do get through, those obnoxious women they hire to answer your questions give you nothing but attitude.

I spoke with my creditor (Chase Manhattan) today. They were very helpful and settled with me themselves for 30% of my outstanding balance at monthly payments I can afford (about 20% less then what I was paying at RAB). I've put a stop payment on my bank account...I'll probably lose the $1,400 I've paid so far, but will end up saving about $4,000 overall and salvaging whats left of my credit.

Consider yourself warned.

I will let you know - and I have been with RA Brennan for over a year - that I have actually watched my credit score drop 100 points since signing up. In addition to that , I have paid my creditors over $2000 since I started with RA Brennan, because of late fees and all that stuff. They pretend they will get it wiped out, but - that is not the case.

He is a scammer if there ever was one. What is he doing with all our payments?

I have a lawyer friend that has read through my contract and I am thinking about moving forward against his company....for pain, stress and pure credit hell!

TO RICHARD -

It is funny that your office actually has the time to make sales calls...when they don't have the time to actually do the job we hired you to do!!!

Five of my credit cards have still not received their payments. Oh, yea, and I beleive you shut down your office from Monday until today - so even if we wanted to discuss our situation - that you put us in - we weren't able to.

You are a joke!!!

I am also with RA Brennan, and hoping to be debt free within the next 30-60 days, depending on whether or not the firm can post a payment to my account soon. While this firm has helped me out quite a bit, I was disappointed in the lack of reliablity. 3 payments were missed - I made a payment of my own to keep from being kicked out of the payment program I was in - even though RAB was able to draft the money from my account. I also got told to call the original company - Credicure - who told me to call his office. I wish I'd gotten something in the mail. As for people being rude, I have to agree. Yes I have a debt that I am trying to repay. My creditors were nicer than the people in the office. I finally found 1 person who will email me back and actually try to find the answer at the office, and also a direct line to her desk. It took 2 months. I guess moral of the story is - find out who they are paying the money to (for example NCO for AMEX) and then talk to all parties to make sure the amounts are the same. That's how I found the discrepancies. I also keep written documentation of everything. I wasnt expecting to have to babysit the payments I was making. Just be careful - and keep track of everything!!!!

stayawayfrombrennanLAW:

Please email me with any information you have about filing a complaint/lawsuit against this dirtbag. I was working with CrediCure until they were eaten up by this conglomerate of lies and horrible customer service and am about to get kicked out of the program by several of my creditors! I've called moved my automatic withdrawal date forward twice, but they can never explain why my payments are made later and later every month. It has now been 19 business days since they took the money out of my account, but have yet to pay one creditor. Even the one that accepts electronic payments from them. Their excuse lately has been that my creditors do not accept electronic payments....something tells me that Discover and Capital One have the capability to accept electronic payments from Brennan's office since they were able to accept them from my account for 5 years.

I've been looking all over the BBB to find where to file a complaint, and none of the phone numbers I have nor the ones on rabrennanlaw.com can be found by the BBB. They don't even recognize the zip code found on Brennan's website contact information! It sounds like there are enough upset people with valid cases to get something done... I just need some more information on how. I'll be writing a letter to Nebraska's AG tomorrow, so that's a start, I guess.

There are too many honest business owners in this country who do not get a fair shake from the start for us to allow pricks like Richard A. Brennan to screw so many people.

I have read through the posts and if I may, respond to the various issues.

First, having read both the positive and the negative, I see two trends. Those who had dmp's with other companies that were shut down, are angry because of payment disruptions, rude staff, dropping credit scores, and difficulty in reaching the office. All of these individuals have in common the fact that they did not sign on with the Law Offices of Richard A. Brennan, LLC. They were all clients of defunct non profit credit counseling agencies. My office has had great difficulty keeping up with these clients and due to regulatory issues, it is difficult to place them with another qualified agency. I have sought placement with an agency that is able to handle them capably. In the meantime, my staff and I struggle to meet all of their needs.

The positives, by and large, have come from actual clients of my law office. My paralegals are assigned the cases specifically to those individuals. The attorney and paralegal paired on each case only deal with their assigned cases. They provide their direct numbers and emails to make sure that no client of mine is left unattended to.

We work dilligently to address all client issues, however, I do feel for the DMP clients of other agencies who have gone through the tough times associated with the regulatory changes.

Several of my staff burned out working on resolving the DMP client issues. I simply cannot hire enough qualified people to answer the phone every time it rings from a DMP client.

On top of all this, we've had phone system failures to deal with, server failures to deal with, all due to overuse due to DMP's not related to my clients.

I do apologize to any indivudal who has encountered a problem with their DMP or representation and invite them to contact me for resolution or discussion on what can be done to improve your situation.