I wish I'd had the good sense to look here when I was contacted by RA Brennen. All I got was a letter from his firm, and a note posted on Credit Cure's old web site that "due to recent IRS tax rulings, Credit Cure has had to turn its clients over to RA Brennen". I also had to send RA Brennen a power of attorney. I have been with Credit Cure since they were known as Nexum, and, before that, as AmeriDebt. I've paid over$1000.00 per month since June 2001 on an initial debt of $72,000. As of end of Jul 2006, I only owed another $23,000., which I had expected to finish paying off within the next 23 months (from Jul 2006). Last month, August, RA Brennen failed to withdraw my payment from my bank by the agreed upon date. 10 days later, I called and spoke with a woman in his office.
She said she didn't know what happened, but would make sure the woman responsible for making the ACH debit was made aware. She asked me to call her back in four days if the transaction still had not taken place. I called her back four days later, and got only voice mail, and left her a meessage that the money to pay my creditors still had not been taken out of my checking account. Since then mid-August to today, Sep 18, I've yet to receive a return phone call OR response to my e-mail inquiries, after e-mailing and calling an average of every other day! I notified all my creditors, made check by phone payments to all of them for Aug and Sep, and post-dated phone checks for Oct. One of the first creditors I called, Bank of America, was willing to listen to my tale of woe with RA Brennen and suggest that I get in contact with another company that does CCA with them. I am calling them tomorrow, as I ran out of time today (taking off from work to make calls all over the East Coast and Mid-West to my creditors, 14 in all, from my residence in Alaska, a four hour time difference). The real kicker came, though, was when one of my creditors, with whom I had both a VISA and MC account with, told me that the checks RA Brennen issued in Jul to pay my accounts with BOTH bounced! I have contacted several lawyers, and I too may file a suit against RA Brennen, even if it is only in small claims for the few hundred they took from me and bounced checks on! I suggest to anyone else using (or rather, BEING used by!) RA Brennen: First stop payment on any pending ACH payments from their account to Brennen. Second, since you have to pay a fee to stop payment, and it will only be good to stop ONE payment, you should next revoke any power of attorney you've given them and BOTH fax the revocation to them, THEN send it to their business address return receipt requested (registered mail). Third, close your current checking or savings account, whichever Brennen HAD access to, and re-open a new account (with your same bank, if you explain the situation they will help you!)so Brennen cannot sucessfully send any more ACH demands for payment to your account. I know, from reading the posts here, I have been extremely lucky that Brennen didn't take my money AND refuse to pay my creditors! I hope my advice here will help any others in these circumstances. The ONLY pitfall I have with my own plan as stated above is that four of my creditors told me that if RA Brennen doesn't send them a "release", stating that they are no longer my CCA representative, that they will not accept a proposal from ANY other CCA; this means my interest rates and payments to these four will go up; but, I am optimistic. Should RA Brennen refuse to provide them with that correspondence, I will explore other options with these creditors AND the courts and BBB, AND Bar Association in MD! Good luck to us ALL (except RA Brennen!)
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