Law Offices of Richard A. Brennan - Can you rely on them?

Per previous messages regarding the refund of the initial payment - I received the check in the mail yesterday. As I mentioned, this is NOT the refund for the withdrawals that Brennan made these past few months, it is the very first payment that was withdrawn which was not passed on to the creditors. I encourage everyone to contact United Christian Financial at 800-621-7806 to request that first payment back.

As a side note, I have seen some payments start to post to my creditors from Brennan, however not all have appeared yet. Since it sounds like everyone else who has tried to obtain their money back from Brennan has so far been unsuccessful, I have to hope that all payments will end up being made and I can move on from this mess that he has created. I hope that everything works out one way or another for everyone that he has screwed over.

I just want Brennan to give me my money back. They have taken 3 payments out of my account after I faxed, mailed and e-mailed them telling them I wanted to sever our relationshp. They ignored me. I am paying my creditors, and they are still taking the money out of my account. How do I get these morons to understand? What do I need to do? I have again faxed, e-mailed, and sent them the demand to stop. I can't buy groceries for my children because they took the money out of my account. I am contacting the
Attorney General in Maryland, and anyone else I can think of. How can they do this????

So Brennan let me ask you a question you say..."A phone system designed for five people cannot handle calls from 4000 consumers. The ONLY method of orderly issue handling of that magnitude is emai"

Then why dont you answer your email, is anyone in these forums, happy with your service, I have emailed you over 8 times, tried to call and nothing happens.... but you keep taking money out of my bank account, you are nothing more then a con man!

Richard,
You still won't accept responsibility for any of this. Always an excuse. If you can't get your sh*t together, maybe you and your minions are just INCOMPETENT??? Or crooks? Which is it? You've been dragging this out since May, at least in my case. "we'll have it fixed next month"...that didn't happen. "We'll have it fixed by October"...that didn't happen...then November...Richard, do you see the pattern here??? Empty promises, or lies. Doesn't really matter. You flat out just don't care, and you aren't going to do a damned thing unless a governmental agency or court steps in and forces you to do what is right.

Well folks, below is what happened to me. This guy is a real shithead. I think it is time we all banded together and brought a class action suit against this a**hole. My email address is email address removed as per forum rules - Mike
, I have a number of other folks involved that I met through my BBB filing against RA Brennan. I don't knwo about you, but I want my money and I want this ****to suffer as I have suffered.
To Richard: I have read your posts about your name being drug through the mud. Waaaaa****ing waaaaa, you thieving prick. Take a look at my credit score now thanks to you if you want to talk about a name getting drug through the mud. ****you!
I signed up with United Christian Financial in February of 2006 with a $150 "refundable" deposit. I singed the contracts for debt consolidation of my 4 credit card accounts and my file was turned over to the Law Offices of Richard A Brennan. The deal was, $157 would be withdrawn from my checking account on the 17th of every month and LORAB would work with my creditor's to reduce my interest rates and they would also pay my bills monthly. $127 of the above would go to my creditor's and LORAB would retain $30 per month for "processing and service" fee's. As of April, no money was withdraw from my checking account and my creditor's began to call me. I called LORAB, spoke to Natasha, who I may add was rather rude, and was told that UCF neglected to send all of my bank information over to LORAB. I gave it to her via phone and faxed a voided check as well. May rolls around and I am still receiving calls from my creditor's. I called back and spoke to Andrew who advised that Natasha had put my information into one computer screen but not the billing screen which is why no money was withdrawn from my checking account and no bills were paid. He told me that he fixed it. June now rolls around and still my account has not been debited and my creditor's were not paid. I borrowed money and paid $200 to each creditor so that I could get them off my back. I then called LORAB again and spoke to Joy who said that there was an issue with their computer systems that was now fixed and she assured me that everything would be fine. Finally, a payment of $157 was taken out of my checking account in July. By the end of July my creditor's till hadn't been paid with this money though. I called LORAB again and spoke to Mattea who assured me that checks had gone out. Another debit in the amount of $157 was taken at the end of July. Finally got notice from my creditor's that payments had been made by LORAB. Boy was I excited. Another payment of $157 was taken out of my account on Aug 17th. I checked with my creditor's at the end of August to make sure everything was all set and lo and behold, all of the checks that were sent in July were returned for non sufficient funds. The checks that LORAB sent all bounced! I called at the end of August, furious, and was given some song and dance about a company named Credit Cure going out of business and that the workload at the firm had tripled, blah blah blah and mistakes were made with the payments. Like I give a crap about internal problems! I just wanted my bills paid in a timely manner! I asked to speak with a manager and was told that it would take 24-48 hrs for them to respond. Needless to say, I never received a return phone call. In September, I sent a letter, certified mail, return receipt and made a demand for all of the money they took from me along with all of the over limit fee's, late fee's and returned check fee's that my creditor's had charged. I started out with $2,900 in debt and after LORAB's shenanigan's I was over $6,000 in debt!!! Well, I know they got the letter because I got the return receipt but they still tried to debit my bank account on Sept 17th!!! Good thing I called my bank and put stop payments against them! So, here I am today, in the hole more than $4,000 when all I wanted was to get out of debt! I have contacted the Better Business Bureau, the Maryland Attorney Grievance committee, the Attorney General's offices in my state and in Maryland. The BBB and the Attorney Grievance committee both have received responses in regards to my complaint from LORAB. They state that they never withdrew money from my account (I have bank statements showing debits with the name Law Office Richard A Brennan right on it!), then they go on to say that when payments were received they were sent out in a "timely" manner (BS!), and that all of the payments made by their office were good (I have statements from all of my creditor's showing these "good" payments were returned for non sufficient funds). I can no longer get hold of LORAB as they NEVER respond to emails and when I try to call, the phone either endlessly rings or I get sent to voicemail which has a message that says the mailbox is full. Something needs to be done. These people stole from me and dropped my credit score from a 620 to less than 400. These people are evil and need to be stopped.

****Adult term removed - Jason

I just need to take the time to respond to your woe-is-me postings on this site Richard A Brennan. You put in one reply that if we just send you a letter disputing the situation, you will handle it. I call your bluff a**hole! I sent a certified letter, return receipt to your office on September 2. This letter addressed your thievery as well as told you that I wanted no part of your scam any longer and to stop taking money out of my account. Guess what, Tricky Dick? Not only did you not respond to this letter, which I know you received cause I got the return receipt back with a signature, but you tried to get into my bank account and withdraw money on September 17 and November 17th. You know what that is? Wire Fraud! Did you know that is a felony? Did you know that in addition to participating in a class action suit against you I am pursuing criminal charges against you personally? Yeah. It's going to feel good to see you in court you ****. As for the crying about how your staff is so overworked andwaaaaaa ****ing waaaaaaaa. If you were all so "overworked" why would you take 3 weeks off? Doesn't make any sense does it? Here's what I think happened you scumbag: You are an immoral a**hole that saw an opportunity to make a quick buck off of the backs of others. Now the shit is hitting the fan and you're scared cause you know you did wrong. Your answer is to lash out and blame everyone else. Well guess what? My bank statements show YOUR name on it for all withdrawals. That's right, R A Brennan. Not Credit Cure or UCF or whoever else you want to blame. To me, your name is on the withdrawals, you are responsible.

Please restrain using profane lang - Mike

****Adult term removed - Jason

I would like to thank "refund guest" I contacted Credut-cure today and they were going to see about my refund. As far a Brennan's cry baby tune SAVE IT! You, for what ever reasons, have screwed us, our credit ratings, and OUR LIVES!! Just like us, we are told "stand up, accept respondsibility, and ACT RESPONSIBLE! You took from us....NOW GIVE BACK what is OURS!!! I'm yet another one who have involved the BBB and the Attorney General and I want is my two months of payments $1450.00 you owe me!

I would like to thank "refund guest" I contacted Credit-cure today, and they are loking into refunding my deposit! As far as you Brennan...too bad for your boo-hoo respond. Like we should feel sorry for you after all that you have done to us? I have contacted the BBB and the Attorney General! As I have seen by your responded lies, I WONT'T GIVE UP!! All I want is... what is MINE--what you took me! You STOLE $1450.00 in two months for payments from my account and NEVER paid my creditors, I have the proof---as most of us here does! The lies you told to the BBB and Attorney General will all come out. We will prove it!

As a passive observer of this, I'm curious as to why Richard didn't transfer the files to a credit counseling company capable of handling the accounts. If you are understaffed and underresources, why not ask for assistance? The logic approach would be to either do that or increase resources. It seems as though some of the complaints stem from a lack of attentiveness to deal--especially when it comes to payment debits. For the individuals who are accusing Richard of deliberate incompetence, I'm unconvinced the blame doesn't belong on the shoulders of the companies with whom you initially spoke. Of course missing creditor payment is unacceptable, but I'm curious as to why few of you made individual payments yourself. Many took the time to cancel, but nevertheless discontinued making payments for some time. I understand your anger and frustration, but repeatedly insulting the company, its staff, and profaning this board is probably not the best approach. I know that he's not answering your inquiries, but if you take his words at face value, maybe it's simply impossible to handle the traffic. I would suggest that Brennan speeds up the resource process and some of your guys sit tight until he does.

I hope very much that things work out for you.

John

You know what I think is just hilarious? The only person I CAN get ahold of at R A Brennan's Firm is the guy who's trying to sell me on their law firm representing me! He is the only damn person who I have been able to call and e-mail and get a response back from, of course he just tells me that he can't help me with anything other than helping me get signed up with the firm (AKA take some more of my money). Which presents another problem in that if I wasn't "signed up with", "represented by", or "working with" the law firm, then how the f*ck could they just waltz right in under my nose and start taking money out of my account and not paying my creditors and never even NOTIFYING me that they were doing so until 7 months after the fact..................

Mr. Brennan,
I too, have sent several emails and request asking for my returned monies. I too, have had to make other arrangements with my creditors and have suffered some serious back lash. The worse part is that you collected approx. $3000 from me and I lost my job this morning. I would truly appreciate the refund before I lose something else.

I have called CHASE BANK and they have confirmed that no funds have been transferred to Consumers Alliance Processing Corporation from Richard A. Brennan, I doubt if they transferred any money ! His office is lying! I have confirmed that our accounts were not sent over to Consumers Alliance Processing Corporation for servicing until December 1, 2006, this dog and pony show about them transferring us back in October is a lie also. After speaking with Consumers Alliance Processing Corporation and checking up on them it looks as though they are legit and a member in good standing with the BBB and an association called The American Association of debt management Organizations.

I recommend not working with the Law Office of Richard A Brennan. Consumer Alliance, Vanguard, Golden State debt management, what ever name they keep changing it too are not real. One recommendation is to get out of the program as soon as possible, file complaint, ask for your money back, talk to your bank, file disputes, change your bank account if necessary. RA Brennan is not a debt management firm but a settlement firm. Their job is to hold on to money as long as possible and then they work out a settlement with your creditors then pay them one shot. You don't want to do that. If you need to go back on a debt program, register through NFCC.org They are great and very very helpful.

I'm going trough the same trouble as everyone else. What you just did was to withdraw more money from me even when I have received a letter from you saying that my account with you had been canceled. You are a good son a bitch! you are getting rich with our money. I'm going to sue you!!! Remember my name hijo de la chingada porque te la voy a cargar!!!!dile a Sulma que te traduzca!!!!!Everyone else if you are still dealing with this we should get a tv show, we should call them and let them know about this issue!!!
It's not fair what they are doing! he should get punished or Richard if you don't listen maybe your mom will.

These guys are rip offs. They somehow ended up with my account from another company, said they were "changing" computer systems and that payments to my debtors would be delayed one month, then NEVER paid it! Subsequently my account was transferred to another company and it is 10 months later with no sign of my $!! And now their phone is disconnected! I am on this website specifically to track it down and get it back! DONT USE THEM!!

They are bogus!! Stole $290 from me and that was 10 months ago. Every time I called they said they were "sceduling the payments" to my creditor. But never gave me a date. Now my account went elsewhere (without my consent or knowledge) and their phone is mysteriously busy all the time, dont trust it!!