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Richard A. Brennan, Esq. · Posted: Fri Sep 08, 2006 7:56 am Subject: been taken

Please contact my office immediately at legal.issues(at)rabrennanlaw.com so that I may address your concern. As I do not know your identity, I cannot address your concern.

Guest · Posted: Fri Sep 08, 2006 8:09 am Subject:

I just got through and was told that Richard A. Brennan has now gone bankrupt. Looks like all hopes of getting $ back is lost

student · Posted: Fri Sep 08, 2006 8:14 am Subject: question about deposit

so if we signed on to united christian financial when i began back in december. Are they the ones that are supposto give the deposit back? After what I went through with credicure I dont want to deal with another debt company ever again. I trust no one! Trust your family only!!! I am going to pay off everything with the 8 grand my parents are giving me. There is no website or phone number for credi cure? I cant find it. Could you please post something if you have that information. Because they are the ones who have the deposit that was taken out of my account. The 39.00 a month is richard a. brennans fee. Im not even worried about the deposit, im worried about
1. the payments being late
2. no payments being recieved
3. being thrown off my proposals
4. having all 11 credit cards reported for recieving no payment that month.
5. being in a bigger mess now than i was when i started. Thanks! I really dont know how you can sleep at night with all the mistakes that have happened to every single client of yours. WOW.
PS if its not richards fault, its someone who you employed or work with, and that obvioulsy falls on the man responsible.

Guest · Posted: Fri Sep 08, 2006 10:15 am Subject: question about deposit

That is exactly the same situation we are in. We have more debt than we started with now. Check out American Credit Foundation® for anyone that is interested. They are accredited and audited yearly by an independent third-party auditor. They have no automated systems and someone is always there to answer your questions. They have been very helpful and we are going to use them.

I have been asking Richard A. Brennan and Associates for documentation of how the money + the monthly fee of $39 each month has been spent with our creditors without success. No informatin is being shared. Good luck to you all. It's hard to realize that you have lost out when all you are trying to do is better your finances.

further in debt · Posted: Fri Sep 08, 2006 11:06 am Subject: stayawayfrom BrennanLAW

How can I get involved in this suit against Brennan. We want our money back and our credit. Please help

Student · Posted: Fri Sep 08, 2006 1:27 pm Subject: RE: further in debt

Try contacting his office. Email. If you dont get a hold of them, which im sure you wont, you will need to hire an attorney. Its going to involve alot of money, but in the end it will make up for all of it. Some attorneys may not charge at first only in the end if they feel strongly about your case. When you find a lawyer tell him to come here and see how many complaints maybe we can all get involved. I dont know if you need a attorney in maryland. I dont know how it works because he resides there. I live in california..but i am researching to see what can be done.

Guest · Posted: Fri Sep 08, 2006 1:31 pm Subject:

The number for Credit Cure is 866-842-5393. I want to find out as well how to get involved in the law suit against taht son of the bitch because it looks like us none of us are getting the money back. I really hope that scum bag gets thrown in jail and is left without a penny.

i laugh at idiots · Posted: Fri Sep 08, 2006 3:15 pm Subject: Law offices of Richard A.Brennan

I'm looking at these posts and one thing is clear. Most of the people here don't understand what they're talking about. Most of these people hear what they want to hear and then assume the worst when things don't go according to what they thought they heard, and don't actually listen to whats being said in the first place. If they had spent as much time investigating and asking questions about their credit cards, or other creditors, as they do slinging baseless accusations at a law office then they would probably had the foresight to have not gotten into the debt messes that they are in. Now they are backed up into a corner and are whining and pointing fingers because they don't know whats going on with "their money." I'd say they never knew what was going on with their money in the first place or else they'd never have frivolously managed it as they did. I'd expect this kind of crying and finger pointing the Democratic party, not people who need help with debt.

Posted: Fri Sep 08, 2006 3:49 pm Subject:

Hey! I'm a Democrat and I don't do any crying of fingerpointing! Nobody in this forum does. People fall on hard times and reach out to companies like this for guidance, and not everything goes as expected. You are the idiot here! Laugh at yourself, you loser!

Richard A. Brennan, Esq. · Posted: Fri Sep 08, 2006 3:50 pm Subject: Guest and others in recent posts

Upon information that I have, UCF is a dba for USA debt management, a for profit company located in Alabama. CrediCure was a non-profit credit counseling agency that was formed in Florida in 2000 and moved to West Virginia in 2003. CrediCure was involved in a lawsuit against a for profit company, Ballenger Group, LLC, which interefered extensively with client funds, nearly bankrupting CrediCure. CrediCure began accepting clients from USA / UCF in 2004. Clients who signed contracts, signed both a contract with UCF / USA and a contract with CrediCure. The UCF/ USA contract called for the consumer to make a "refundable deposit" of their first payment to UCF / USA. The deposit was refundable upon the consumer completing their program with CrediCure. Unfortunately, CrediCure went out of business and it appears that there was no provision in the UCF / USA contract for this scenario. From what I have heard from speaking to angry former CrediCure clients, is that UCF / USA is pointing the finger at my law firm for the first payment that they kept. My law office has now born the brunt of client anger due to issues that arose out of the prior companies transactions. We are doing all we can to recover monies and resolve issues caused by this mess. I STRONGLY urge the consumers posting here to contact me at legal.issues(at)rabrennanlaw.com, to go over how we may help. As so many were affected, my staff is a bit taxed. There also seems to be so much disinformation and misinformation floating around that consumers are simply exhausted by the problems. We only seek to fix what we are able to. Issues caused by third parties, we cannot fix unless they relate to our represenation.

Richard A. Brennan, Esq. · Posted: Fri Sep 08, 2006 3:53 pm Subject: Bankruptcy

I am deeply concerned now that I am reading and hearing that someone out there is giving incorrect information out that my office has filed for bankruptcy. This is not true. If you are not dialing 866-892-1055 or 301-624-0023, then you are NOT contacting my law offices. Please provide details to my office immediately as to who you are speaking to and at what telephone number. To my knowledge, there are no active phone numbers for CrediCure since March of 2006. Anyone else you may have spoken to was not employed by CrediCure.

Richard A. Brennan, Esq. · Posted: Fri Sep 08, 2006 3:57 pm Subject: Contacts

I began reading these posts occasionally when a former clietn of CrediCure's informed me of its existance. Recently I was directed back to it by one of the posters here. He expressed his satisfaction with the outcome of our discussion. He even posted the positive experience he had in dealing with me. Since I began actively participating and reading, I have been contacted by two additional people, both of whom have expressed gratitude for the information and assistance. One of those was Mosely who posted above. I can't stress enough how important it is to obtain accurate information, as there is so much inaccurate information out there.

guest

Just to let you guys know because I am an Attorney and have worked with the Law Office of RAB they are legit. But first to correct you guys, Creditcure and the Law Office are different companies. Credicure was forced to close in 2005 due to the changes in IRS debt management laws. When they closed, they forwarded all their clients to the Law Office. Yes they do have the same number, that is because the Law Office attached their number to the Credit Cure number to clients could reach them. The LAW Office was never intended to be a permanent place for all the credit cure clients. What they specialize in is debt settlement which is a far better way to get out of mass credit card debt. I just wanted to update you guys so you didn't get the wrong idea....

student · Posted: Fri Sep 08, 2006 4:03 pm Subject: who is???

whos number is 877-895-1607? because that number works. it says law office of richard a. brennan.

Richard A. Brennan, Esq.

Here are the facts about credit counseling:

The IRS has recognized approximately 900+ organizations as non profit credit counseling agencies. As recently as 2004, more than 2500 agencies "claimed" to be non profit credit counseling agencies. There is a clear discrepency.

The IRS conducted an audit of the 75 largest non profit credit counseling agencies and REVOKED the non profit status of ALL of them. These 75 agencies represent 40% of the debt managment plans arranged in the United States.

The IRS has issued industry audit questionaires or audits of the remaining recognized non profit credit conseling agencies.

The IRS has ruled that those agencies which engage in distributions of creditors for fees, either to the consumer or from the creditor, are engaging in an IMPERMISSIBLE conduct of acitivity for the benefit of a for profit concern.

Interpretation: if the credit counseling agency makes any money by collecting consumer payments and distributing it to creditors, they WILL have their non profit status revoked.

Problem: At least 42 states REQUIRE that any agency that collects and distributes payments to creditors to be either a non profit, or an attorney pursuant to the licensed practice of law.

Further Problem: Almost every non profit credit counseling agency that operates in one of those 42 states is in violation of the non profit rules if they get ANY money for the DMP. As a practical concern, they cannot operate without getting enough money to cover the costs of doing the business. They cannot comply with both the State and the Federal law.

In my travels and talks with various States' Attorneys General, the States' solution is to ammend their laws to allow licensed for profit credit counseling. In the meantime, the industry is in an incredible state of flux.

Many agencies are indeed reputable. Please look for those that comply with industry standards (ISO 9000 certification, Counselor certification, certification by the US Bankruptcy Trustees) and/or are licensed in your state to perform credit counseling. When I place a consumer with an agency, I make sure that they are compliant BEFORE I place them.

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