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question · Posted: Wed Sep 20, 2006 4:16 pm Subject: does anyone know?

DOes anyone know that if I already made a stop payment to my bank so that RA brennan or whoever cannot deduct from my account anymore. I told the bank of the situation but they said even a stop payment wont be 100% safe, because all they need to do it switch the amount from cents to even a dollar and the transaction will go through. So then they said it is fraud and it would take a while and to get that back. So I was told to close the bank account. Do I need to write to RA brennan and let them know that I do NOT want any payments taken out, im done with them or any debt company. I didnt get a chance to tell them I want out because there stupid number doesnt work! Does anyone know? thanks!

Frustrated · Posted: Wed Sep 20, 2006 8:16 pm Subject:

I have been able to contact them using this number: 866-892-1055

The young lady I spoke with was quite apologetic and pretty helpful.

I am still opting out.

Her name is Sulma Santos. · Posted: Thu Sep 21, 2006 10:50 am Subject:

I sent an email to Richard A Brenna, for him to give me an explanation of what what's going on with the whole situation between CrediCure and his offices.
Well, guess what I guess the man doesn't have enough balls to reply and answer my questions. He has not replied and I'm still wondering if they are going to help me at all. I guess no response, no help!
The nice lady would be Sulma Santos, but then I guess she doesn't know the whole situation with the money going back and forth.
Please can anyone help.

Jason Webb · Posted: Thu Sep 21, 2006 10:17 pm Subject: Hi Richard and Jeffrey Formulak

You people have ingnored almost all of my emails and phone calls aswell. I've already reported you twice to the BBB of Maryland and I've requested my deposit back twice now. You have also defaulted and kept may payment for Aug. of 260.00. What is strange to me is that Jeffrey Formulak from a company called Ameridebt which was shut down for the exact same bullshit is working for you. If you're legit like you claim to be why would you allow a fungus and a potential destroyer of your name into your business??? You are a scam and you owe us all a lot of money! Can you sleep at night? In a matter of time if you don't please all the people that you and your budy jeff formulak have screwed over, you will deal with a class action lawsuit and will lose! Do you think you can bullshit your way through that as well??? Since you claim to return all emails when do you plan on returning mine??? You know who I am!

Sleep well!
Jason

Jamie in VA

I just rec'd a call from their office threating to drop me or send me over to another company for my debt management. The idiot with whom I spoke REFUSED to give me his name until I agreed to sign up with his 'debt settlement' program. I declined of course. But still got his name – Anthony Dusza, & once this as*hole gave it to me he had the audacity to swear he’d told me twice before! This man was out of his fuc*ing mind thinking that I would agree to sign up for a damn thing without seeing what I was getting into. All of the questions I asked were answered with questions or completely ignored. When I asked where all of my previous payments had gone he said & I quote word for word "That's not my department & why should I care. I wouldn't even begin to know where to start investigating that". He was rude, discourteous & hateful speaking to me like I am fuc*ing ignorant. But that's nothing new considering my last Customer Service Rep Joy Flannery who very rarely returned calls & if she did she had the personality of a wet rag & the attitude of a hungry fat woman. The collections calls still have not stopped, no question was ever answered directly, no paper trail of my account could ever be produced, and emails were not returned. After 5 months of paying $173.00 a month into RA Brennan my creditors have not rec'd more than $10.00 each in payments (3 creditors=$30 - 173.00-30.00=$143.00 unaccounted for $143.00 x 5 mos. = $715.00). I’ve paid in right at a thousand dollars yet my debt total increased by $1500.00. Every single payment was made late even though they were very careful to take my money out on time. I have left 15 voicemails a day for the past 3 weeks upon receiving the letter, I am sure we all got the letter, saying they needed $1500 as a retainer fee & then they'd also take as payment 15% of the amount saved by paying my creditors off in one lump sum. ARE YOU SHITTING ME?! If my creditors agree to be paid off in a lump some of 50% of what is owed then RA Brennan gets 15% of the other 50%!!!! They haven't paid a creditor on time in 5 months, my credit scores are ruined, late fees have been assessed, service charges piling up, interest rates steadily increasing and they want MORE MONEY?!. I did not get myself into my debt situation-I didn't even have a hand in it this was all thanks to my ex & his drug habits & sneaky spending sprees. I didn’t find out about it until it was too late. Now I am being treated like an inferior, insignificant moron. If I could afford to pay off the debt, retainer fee, & yet still give away what I’d saved by paying my credit cards of early I WOULDN’T NEED TO BE ENROLLED IN THIS PROGRAM TO BEGIN WITH!!! On top of all this nonsense I now have Doctor bills & medication expenses to deal with the stress & depression this has brought on, is there no end?

I would advise everyone dealing with the thievery of RA Brennan, CreditCure, United Christian Financial/ Fidelity Reserves Corporation, etc. to get a good lawyer on their side. My family keeps a lawyer on retainer & he’s as pissed, as I am that I’ve been taken advantage of at a time when all I needed was help. Contact the Attorney General for your area, let the Better Business Bureau know, although all they can do is be a mediator in your case, check out the above posts for further complaint contact info & do all you can to stop this. Do it for you, do it for me, and do it for the person who is at wits end & about to sign into this program. Let’s get together & see about something in the way of class action. I am tired of it & just want to be done with it all.

Prometheus · Posted: Fri Sep 22, 2006 8:29 am Subject:

People fear what they do not understand. It is obvious from these posts that no one understands how these businesses work, hence they are scared. So they are basically resulting to a redneck type of solution. "Hey Jeb, what is that thing?" "I dunno Billybob, lets burn it!" Take a step back, look at yourselves and your posts, and handle your courses of action like adults. Not like screaming little children who are being drug out of the grocery store by their mothers.

Jamie in VA · Posted: Fri Sep 22, 2006 8:42 am Subject: Prometheus

I hope you get scammed or taken advantage of. May there be some worthless moron mocking your integrity & intellegence in addition to making light of the situation your in. Please do yourself a favor & stop up talking about issues to which you have no basis having an opinion on anyways. And as a by-line you can kiss my very well educated, informed, adult redneck ass. Piss off & leave space for those who have real concerns not just those wanting to open their mouth.

PissedOff · Posted: Fri Sep 22, 2006 8:58 am Subject:

I have tried to call and email the law office of Richard A Brennan on numerous occasions. They took over my account from Credicure.
They have yet to pay the money they took to my
creditor. I am now months behind with my creditor, had to pay my bank another 32.00 dollars to stop payment on my check each month and will have to
become current with my creditor. I trusted Credicure
to handle my debt and quite frankly I am pissed that this crook took over the account without any
knowledge to me beforehand.
Bottom line I want my money and if anyone is going through a similar situation please
point me in the direction of how to get the ball
rolling to stop this crook Richard A Brennan and his posse.... Evil or Very Mad

guest · Posted: Fri Sep 22, 2006 9:46 am Subject:

And his posse? Am I to believe that this lawyer is riding around on horseback and stealing money with other people on horseback? Clarify please

PissedOff · Posted: Fri Sep 22, 2006 10:14 am Subject:

Posse means---the rest of his crew. He is
not robbing people along he has plenty help. Sorry if I confused anyone...

Guest · Posted: Fri Sep 22, 2006 10:25 am Subject: I finally got a person to talk to!

I have been attempting to contact the people at Richard A Brennan for weeks after learning that they now hold my account and the money that has been deducted from my account the past few months. Today I actually spoke to a person! I was told that the last few months of payments that I have made are "frozen" and will not be made to my creditors until October 1st at best. The reason for the freeze was due to the fact that RA Brennan is selling the accounts of the debt managment programs to another company that is "better equiped to handle the volume of clients". I was told that there has ben no finalization on the company that will be taking over, with the exception that "Alliance" was in the company name. It appears to me that they are trying to get as many people as they can signed up with the settlement program prior to having the current clients moved over to the new company. To date I have still not seen any correspondence from them stating ANY of this, just the request to work with them on debt settlement!

Apparently, when the new company gets all of the clients from RA Brennan new proposals will need to be sent and the current funds that have been frozen will be sent.

I spoke to my creditors this monring about the situation and they were willing to assist, especially Citicards. Due to the fact that payment was not received for 2 months, they had dropped me from the dmp. I was alble to work with them under the "Bridge Program" which eleminates all fees and finance charges for 4 months until a new propsal is sent. All I needed to do was set-up auto withdrawls from my account for those months.

guest · Posted: Fri Sep 22, 2006 1:51 pm Subject:

The key words in your statement are "for 4 months." Then what? Your back at the mercy of creditors when your interest rate goes back up? That sounds like a policy of appeasment to me. Enjoy your mini-Munich, just don't be suprised when the credit nazi's roll over your borders.

guest · Posted: Fri Sep 22, 2006 1:54 pm Subject:

This is in response to "pissedoff" 's comment about the rest of his "crew." What exactly does crew mean? Now your telling me that this man has a fleet at sea that he's using to pirate money? What does this "crew" do? Man the guns? Pump the bilge? Board the ships of the "victims?" Clarify please

angry in NY · Posted: Fri Sep 22, 2006 2:06 pm Subject: richard a brennan is a liar

I'm dealing with his office. My first payment was taken on the 20th of August. Over a month has passed my creditors are still calling me looking for there money. I have made several attempts to contact rabrennanlaw but no-one has gotten back to me. I've email 2 diff people in his office. And Richard's comment on the whole "deposits" thing, I was told by someone in his office my first payment was a "DEPOSIT". The man is a LIAR!!!!!!!!!!!

Bobert · Posted: Fri Sep 22, 2006 2:14 pm Subject:

Actually, what you need to know about the Law Offices of Richard Brennan is that there are actually two companies. The first on is called ATSL, its a financial consulting firm that refers people to the law office for help with their debts. If you sign up through this company then your first payment goes to them for referring you over. Its not however, a deposit for the law offices. You may want to check exactly how you signed up before you hurl accusations.

Cryslynns · Posted: Sat Sep 23, 2006 10:03 pm Subject: Clearing the air

Do not let this guys post fool you. I sit here today two payments behind with all of my creditors becuase they have not paid my bills for the last two months. I can't reach anyone on the phone. The only email I have received a reply to is the request for forms they said I was required to fill out. How quickly they respond to an email when it comes to signing up with them, yet they will not respond to my email wanting to know why my bills are not being paid and why they are continuing to take money out of my account? Like so many others, Richard A. Brennan's office took over our debt consolidation payments without even notifying us. Our bank statments reflect that the payments were withdrawn by Mr. Brennan's office. Yet July and August Payments have not been made to our creditors. DO NOT SIGN UP WITH THIS LAW FIRM! I will be seeking reimbursement through the Deceptive Trade Practices Act and encourage anyone to investigate how your funds were withdrawn and speak with an attorney to assit in getting you reimbursed. They company may be liable to pay 3 times the cost of what the took from you.

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