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student · Posted: Fri Sep 08, 2006 4:11 pm Subject: that helped

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.

student · Posted: Fri Sep 08, 2006 6:51 pm Subject: found this on www.ftc.gov

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.

ripped off · Posted: Fri Sep 08, 2006 9:56 pm Subject:

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.

Rob Merritt · Posted: Sun Sep 10, 2006 11:19 am Subject:

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

Scammed · Posted: Mon Sep 11, 2006 6:36 am Subject:

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.

higher bills · Posted: Mon Sep 11, 2006 7:49 am Subject:

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.

Richard A. Brennan, Esq. · Posted: Tue Sep 12, 2006 8:37 am Subject: higher bills

Every email that I have received has been responded to. If you could give me some sort of indication as to who you are, then I can check on your request.

Richard A. Brennan, Esq. · Posted: Tue Sep 12, 2006 8:39 am Subject: Scammed

I have invited several individuals to see the records as to when payments were remitted. We are doing all that we can to assist those affected by CrediCure's closure. It has not been easy due to so much misinformation and misdirection outside of the control of my firm.

Richard A. Brennan, Esq. · Posted: Tue Sep 12, 2006 8:43 am Subject: Student

Please see my above post on the background of UCF / USA and CrediCure. They were separate companies, with USA / UCF taking the first payment, then forwarding client information and contracts on to CrediCure. CrediCure took on the responsibility for distributing payments. My investigation has yeilded that there were several issues going on which may have affected client payments from CrediCure. My offices are working to resolve those problems. Among the many issues I have found, is that many clients got 30 days behind at the beginning of the program and many creditors never updated that status. Another issue I have found is that payments miss posting in one statement only to appear on the next statement. In part this can be caused by automated payment processing systems used by creditors. In still other cases other issues exist.

Richard A. Brennan, Esq. · Posted: Tue Sep 12, 2006 8:50 am Subject: Higher balances

Typically, in all credit counseling agencies, a consistent problem I have found is balances are higher than when the consumer started. This is usually (but not always) due to a proposal issue at the beginning of the program. This issue can also become present if the creditor's automated system does not record a payment within a 30 day payment cycle. Typically, if there was a payment made in good faith, the creditor will rectify such issues if they are notified within 60 days of the occurrence.

Just thought I'd provide some useful information.

Also, as for time.... this morning I "found" the time to defend a debtor from a sherrif's sale of her property and have a judgement vacated because I proved that the settlement offer my office made was reflective of another client's financial ability to do so. I logged in to see if I was missing anybody here that needed immediate action.

Richard A. Brennan, Esq. · Posted: Tue Sep 12, 2006 8:52 am Subject: ripped off

Please contact my office immediately at payment.issue(at)rabrennanlaw.com so that we may review your claims and see what can be done to fix your situtation.

Intruiged · Posted: Wed Sep 13, 2006 5:02 pm Subject:

Ok...Now we understand what is going on and the amount of pressure that your law office is under...What can we do to make the process easier for you and ourself in getting these issues resolved???...I understand that if we just keep pointing our fingers at your office that it will just eat up time that you could be actually working for our accounts...Let us know what the best thing to do would be so that we can get the peace of mind we'd like to have about at least knowing what will happen to us, and give your office the breathing space it needs to work on our accounts

very relieved · Posted: Wed Sep 13, 2006 5:30 pm Subject:

After seeing the amount of time that Mr.Brennan has devoted to answering our questions my fears that this is a scam have been lifted. I appreciate him taking the time to address my concerns, and even though I am not continuing his program (I have recieved an insurance settlement and will be paying my bills in cash), I thank him for the effort he put in on our behalves.

lab · Posted: Thu Sep 14, 2006 6:15 am Subject:

Hi can anyone help I was with credit cure and they ruined my credit, 100 points score went down did not payed late ect..
now what am I better doing consolation or settlement or a loan against my house if I can get one??? thank you for any advise

Guest · Posted: Thu Sep 14, 2006 2:01 pm Subject:

I'd go with a debt settlement. At this point your credit has already been hurt so theres no need in dragging out the process when you can save yourself about 50%, not to mention a few years off the length of the program. As long as you don't incur any new negatives on your credit report after you finish the program then your score will rebound. It makes absolutely no sense to take hard earned equity out of your home when you can settle off a debt so much more easily.

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