DO NOT ALLOW R.A. Brennan's Law Offices to handle your debt management / credit counseling payments!
They will take it out promply from your bank account on the first of the month, and before you know it, you'll be 2 or more months behind on payments, and they won't return your phone calls or e-mails. You'll call them, and their voice mail is "full". If you do get lucky enough to talk to one of them, they'll try to talk you into "going to settlement"...meaning settling with your creditors for less than what you owe...that means ruining your credit for Lord knows how long. I started with a company called Credicure, which was then later taken over by R A Brennan. As soon as he got his hooks in my program, the payments to the cards started being late. At the moment, I have cut him off, no longer allowing his "law office" to withdraw money from my bank, and my bank is now launching a fraud investigation against him. I have asked my card companies for referrals to a REPUTABLE program, and they have been willing to assist. There is a way out of his scam if your bank is willing to help, so help yourself out and cancel any access you allow him to have to your bank. Oh, and if his employees tried to tell you they are passing your account to a company called "Consumer Alliance"...go ahead and try calling the phone number they give you. It doesn't exist! This guy is a fraud, and so are the people who work for him who tell you "don't worry, we'll fix it". If you're involved with his firm in any way, get out quick! Right now, I've got the BBB of Maryland looking at him, as well as the Banking and Securities Commission in the state where Credicure used to be, and the Attorney General's Office of Maryland. Maybe if enough people bring enough heat, he'll go to jail where he belongs. He's a crook.