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

Just giving everyone a heads up from what I was told the company that will be taking over Credicure clients will be Consumers Alliance. Their website is caprocessing.com and their phone number is 1-888-533-3016.

Lay off pissedoff, you know what he meant by his crew/possee you morons-the people that works for him although they could be more accurately described as minions because we can all see from the previous posts that RA Brennan is the devil.

I have been told by my lawyer to stop payment with the bank-the way to get around paying the stop fee is to file a complaint with the bank & explain to them your situation. They are able to help & can file the complaint, unfortuantely they are only able to recoup 60-days worth of payments (2 months of withdrawals from RAB) if thier investigators find that you infact did not sign RAB to withdraw the funds.

I have been trying to get in contact with this office since August 17th, I have sent four emails and left messages and still no one has answered me. I am contacting the BBB today and getting my money back. They have taking out my monthly fees and have not paid my August or September bills and then I get a letter to sign power of attorney over to them. HAHAHAHA like that will ever happen!! Stay far far away from these people.

Come on everyone. We need to all work together Why are you bickering like this? We are all here because we are in debt and need help. This is turing into an "office meeting" where there is way to much talk and nothing gets accomplished.

Everyone,

I understand your frustrations because I have also had some bad dealings with RA Brennan. Thanks to his delays on payment, I have been dropped from Chase and have to pay out of my own pocket to get my accounts decent again.

However, I may have a solution for you. Thanks to a friend, I found help through a local credit agency in Ohio--Falls Consumer Credit Management. Jo Czirok is the Financial Counselor, and she has done so much for me. With her help I am confident that I will be back into a dmp in no time.

For those of you who live in Ohio, Kentucky, Indiana, and Pennslyvania, you can contact Jo directly for your debt needs. Her Website is fallscredit.com/ and her phone number is 888-554-0808 or 330-945-6455 (if you live in Ohio).

I am confident that she can help resolve your issues and that you will be in good hands. Falls Consumer Credit Management is a member of the Better Business Bureau and has never had any complaints against them.

If you ask me, they are the best solution available if you live in the states I mentioned above.

Can anyone tell me whats better for me and my credit I had good credit a year age now i am srewed because of creditcure my score dropped and i owe more now than 7 months ago. I am a single mom and count on only my credit. They did not pay about 1000.. of the bill they said they did. Debt consoladation or settlement?? I don't know Can someone help
Thanks

I am just amazed by all the complaints on here and the fact that they are all the same. I've been going round and round with R.A. Brennan since the middle of August. I finally decided that I can't deal with the stress it is causing in my life. I sent them a certified letter of cancelation on September 11th. They received it on the 14th. Finally got a response last Saturday the 22nd. A shock... It didn't do a bit of good. Basically I got told that I wouldn't get my deposit back because the contract we signed wan't with Brennan. That it was null and void. I wouldn't get the payment back that they hadn't sent out to my creditors... They keep saying the checks have been sent but the creditors are holding them, supposedly they can do that for 90 days... so I won't get a refund until after that. They aren't able to provide any proof of the payments being sent. I asked them to fax that info to me but got an email response that their fax was down and they'd get back to me on Monday... Well it's Tuesday and no reply. They want me to fax them a letter of cancelation, when the certified letter I sent them contained that notice and was signed. They need it twice?? So I attempted to fax it again to the number I was given and guess what??? It won't go through, the fax doesn't pick up.
I am now making payments to my creditors on my own, after a stop payment on the auto deduct. I need to get a letter of cancelation from them so I can attempt another dmp or just work with the creditors myself. Until I have that I can't do anything but revert to paying sky high interest rates.... The sad part of it all was that I never had bad credit, just wanted help getting the interest rates reduced so that I could actually make some ground on the accounts.

It's soo frustrating that they are able to do this to us all. I have taked all the avenues I possibly can aside from hiring an attorney. Can't really afford to do that, but if they attempt to take a payment in October (after my notice of cancelation) I will hire one.

What I don't understand is that if they are stating that the contracts we signed are null and void so they don't have to abide by them. Shouldn't that make the agreement we signed for auto deduct payments void. R.A. Brennan never received concent, it was signed with USA debt management?? Anyone have any thoughts on that.

I just want all this to be over so I can move on, I don't have enough time in my life to deal with all this mess.

I know this is against popular belief in the
forum.

With so many snakes out there,and very few honest debt consolidation co.,I think you are better going it alone. By the time you send these characters fees and other costs,you could have already negotiated a payment plan,and not worry about where your funds are going.

Rule of thumb...Any industry that advertises between
900 lines and Jerry Springer probably should be avoided!

This is just a personal opinion,not that of this forum.

I am beyond upset- I have signed on with credicure last April (2005) since that time Credicure has withdran $220 out of my account each and EVERY month to supposedly pay my creditors- well, it went into their pockets...they have; in total collected $3000 from me and paid my creditors approx $650. Has anyone had the same problem- does anyone suggest taking legal action? I want my money back to pay my creditors. I feel used and scammed!

I went ahead and paid my creditors off on August 1st after a month of waiting for RA Brennan to mail a payment they confirmed they received. Now, 2 months later and a month after they "mailed" the credit to me, I cannot get a response nor have I received my money back. On top of it, they took out the monthly fee...which is ridiculous to me since I had to come up with double for the month and pay off my creditors myself. They didnt actually do anything for me that month - so why in the world would they deduct a fee? Basically I'm down to the point where its a matter of principle. Its only a couple hundred dollars...but the fact is, its wrong. I think 3 months is more than patient and I am seeking legal advice on MOnday if I do not hear back from them.

I just looked up the BBB of MD and found a few more numbers to call his office. OF course the voicemail box is full. However, one recording stated they would not be open again until October 9th b/c they are updating client databases. I'm hoping that this is a good thing and that soon....very soon...they will be able to handle all of our questions and accounts. I'm going to hold off until Oct 11. That should give them plenty of time to resolve my issue - since I've sent a few emails as well.

Dear All,

I have closed my offices for training and system updates. We currently use a Voice Over IP phone system, which has failed to function properly causing some callers to get stuck in an infinite loop, some dropped calls, and some to get directed to mail boxes which do not exist within our system. This issue will not be fully fixed until we get our new phone system November 15th. As for the databases, we requested databases for CrediCure from its vendors, but received discs which contained inaccessible or unusable files. We submitted the discs to a software vendor to remove and put into a usable form so that we can research the remaining CrediCure issues and get them resolved. Until the files are researchable, we are only able to research payments from consumers. We grealy appreciate your cooperation as we work dilligently to address these issues.

I read these posts in hopes of addressing any issues that I find. It deeply distresses me when I see accusations, that, upon investigation, are not entirely true. I understand people's IMPRESSIONS, but these are not FACTS. For example, of all the individuals I have spoken to from this forum, only one was actually my client. Secondly, those who are claiming that funds were "TAKEN" by my offices, are CrediCure clients who had funds deducted from their bank accounts. Perhaps if I walked this forum through how most of credit counseling truly works, you would better understand what has occured.

when a consumer contacts a credit counseling agency, one of two things happens. Either your receive counseling or they offer to set the consumer up on a debt management plan. They may claim that they will negotiate a new payment plan. What happens next is that the agency submits a form to the creditor, which must conform to the creditor's credit counseling criteria. There is NO negotiation. Either the credit counseling agency conforms to the creditor requirement, or the "proposal" is denied. Since at least the mid 1980's this is how credit counseling has worked. To make the money make sense, most agencies have adopted one of the handful of software programs to administer to these debt mangement plan. In these software programs are files for creating automated payments both from consumers and to creditors. Most agencies rely on these software systems to accurately report where money has come from and where it went to. Recurring payments from consumers and to creditors can simply be set up one time and never looked at again.

CrediCure used one such system to set up its clients. When it folded, my law office merely had the system accurately reflect that my office was responsible for the handling. Thus the automated debits continued the same as they had under CrediCure and out to creditors in the same software. Unfortunately, the name change was not recognized by some creditors and problems ensued. Once outgoing payments were no longer made using the automated system, more problems ensued. Next the hosted version of the software was turned off and an encrypted disc of the past information was sent to my office, causing yet more problem. My office is left to inform former CrediCure clients of their options and how my office may assist. We cannot refund money we didn't receive, nor can we refund money that was sent to creditors.

The Young lady who has had $220 taken out of her account each month since April of 2005 is a perfect example. I have spoken with her and she has relayed details to me. She paid a $220 fee to USA debt management (for which she signed a contract). She also signed a contract with CrediCure. After her first payment to USA, payments of $220 were deducted by CrediCure through CrediCure's system. In March of 2006, those debits and payments were still being done using CrediCure's software, but via the Law Offices. Upon her request, we go through the clearing house that CrediCure used to account for each payment being deducted from the consumer. This process entails going through lists of payments that are recorded by date and amount. The process is tedious because a payment may have been listed on one day, but did not post until another. After compiling a listing of all the payments, we then begin researching where each payment was transmitted. This involves tracking down in the software the date, check #, and destination of each payment. After that, we then contact the creditor to find out what their records relect on each check. On a lengthy listing of payments, this can take several days when we have access to all systems. Without having access to CrediCure's database, the tracking process has been far slower. In this particular case, I know that from April of "05 to present payments should total $3520. Of that amount, $220 went to USA, and $624 should have gone towards defraying the costs of the dmp. August ws not recorded in the database ($220), all of which should leave the figure at: $2456. Based on her claims, there is about $1806 that needs to be accounted for, not $3000. All of this also assumes that there is actually that number of payments, that none were rejected, NSF, or otherwise not transmitted to CrediCure.