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

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.

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 ****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.

****Adult term removed - Jason

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.

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!

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.

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.

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.

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....

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

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.

Richard A. Brennan posted about our 1st deposits. Knowing what I know now..this makes a lot more sense. So this company doesnt exist anymore? they took our deposit and ran? Richards office has nothing to do with our 1st down payment. What if I signed on with United Christian Financial, are they Credicure as well? Or did they pass me on to Credicure after the 1st deposit amount? I am going to send an email so I can get help and understand a little better. Thanks.

If Your Credit Counselor Has Gone Out of Business
What happens to your dmp if the credit counseling company that managed your debts shuts down? A counseling agency that is going out of business may send you a notice telling you that your DMP is being transferred to another company. Or it may tell you that you need to take some action to keep your financial recovery on track. If a government agency has filed an action against your credit counseling company, you may get a notice from a third party. If you discover that the organization handling your DMP is going out of business you need to:

* contact your bank to stop payment if you are making your DMP payments through automatic withdrawal.
* start paying your bills directly to your creditors.
* notify your creditors that the organization handling your DMP is going out of business. Consider working out a payment plan with your creditors yourself. Ask if they will give you a reduction on your interest rate without a DMP.
* order a copy of your credit report. Check for late payments — or missed DMP payments — that may result from the company going out of business. If you see “late” notations you don’t expect, call the creditor immediately and ask that the notation be removed. Understand that they have no obligation to do it.

If payments are late because the organization handling your DMP has failed to make scheduled payments, the consequences can be just as devastating as if you failed to make payments to the DMP. If you do not act quickly to make arrangements with your creditors, you could incur late charges that increase your debt, lose the lower interest rates associated with the DMP, and have “late” marks on your credit report.

The Law Offices of Richard A Brennan will take your money... and keep it! They do not pay your creditors on time. They do not give you all the information neccessary to be fully informed of what they are doing to your credit. I have higher balances now, a worse credit rating, and I have been through months and months of mental and emotional stress because of this company. DO NOT sign up with them and if you are currently enrolled, GET OUT! They do not return phone calls, faxes, or emails. When you do talk to them, they make promises and don't follow through.

I found out 6 months after my consolidation company got bought out by The Law Offices... would have been nice to have been told.

If RichardABrennan can take time to post a reply here... you would think he would have time to fix the damage his company has done to my credit/ debt.

After about 2 weeks of trying to get with someone at RABs office about some missed payments I finally got thru to a Sulma Santos. After a few talks with her and faxing her some statements she said that they are supposed to mailing in the missed payments it only just a small victory because as of now my balance is more now than it was in januaury because of the missed payments and outrageous interest because of it. The number I got thru with was 240-215-4937, Sulma Santos

Please do not believe a world what they say to you!!!!!!!!!!!!!!!!!!!!!!! They are all whole bunch of liers and nothing else. They might have told you that will send the missed payments in, but you will see that they actually didnt. This firm is a scam and i really hope that very soon it will be shut down.

I see that Mr. Brennan has taken the time to respond, to these many angry postings. But what I haven't seen is and response to the email I sent him at his "requested" email address. We still have bills not being paid and no response from his office. I find it hard to believe that he has all this time to post comments on this website and no time to help his customers. BBB here I come.