I originally signed up with Credit Cure / United Christian Financial in July of 2005 as a credit management client. Unfortunately, in February of 2006 the company went bankrupt. The new company Richard A. Brennan, now known as Frederick Law Group, took over the acct. I did not find out that this company even had my acct. until August of 2006 though. This law group is a credit settlement company and I apparently misunderstand the difference between settlement and management. I say this because during those six months (February to August of 2006) the settlement company continued to make monthly payments to my creditors. I in turn saw that they (Richard Brennan / Frederick Law Group) were doing the job that I originally designated to Credit Cure and signed a contract with them. It wasn’t until I signed the contract with them in August of ’06 that the company quit making payments. The company now has roughly $5855.00 of my money. Even with this money they have not done what they’re supposed to do – pay the creditor.
In addition, the company has not been able to give me a statement showing exactly how much money is in the acct. in order to negotiate with the infuriated creditors. I actually have a local magistrate’s hearing on Friday, November 9, 2007, regarding the Bank of America acct. I put into consolidation. My paralegal, Dustin Harkness, sent me an email stating that he would negotiate with Bank of America creditors. He sent me an email stating that Bank of America would settle at $2300.00. I responded by telling him to settle several times. I received another email regarding the same matter and he countered for $1900.00 after I specifically told him to settle! During this month (October 2007) the Frederick Law Group has undergone training and now moving and there have not been any answers to any of the questions I’m longing to hear.
Also, the Frederick Law Group double withdrew my acct. totaling $900.00 on October 30, 2007. As soon as I saw this pending in my acct. I immediately called the bank and told them to stop it, but they said they couldn’t, that they had to wait until it posted. They then tried to take another $450.00 payment out on November 1, 2007. All of these drafts have caused major overdraft & Non-Sufficient Funds fees to be placed onto my personal bank acct. Although I knew other items would be coming out of my bank acct., I placed no additional money into the acct. in fear that they would get a hold of that as well. Moreover, my paycheck from the school district is directly deposited. So when it was deposited on Friday, November 2, 2007, it put a slight dent in the amt. owed back to the bank, but I’m still at a negative balance. There are no phone numbers that are working at this company, supposedly because of a move-in-progress. There is also no response to any of my emails that I’ve persistently been sending to the company.
Furthermore, after filing against Richard A. Brennan / Frederick Law Group with the Maryland State Attorney General’s Office (the state in which the company is located) and seeking my own information via the internet, I came to find that there is a possibility of a class action lawsuit against this company for taking funds out of their client’s personal accounts to pay their own debts. This information was found on a Maryland’s news site called the Daily Board. Additionally, the office of Maryland’s State Attorney General denied my case because I’m not a resident of Maryland. I have therefore, filed with the Pennsylvania State Attorney General’s Office.

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kellibuksar-
Whether inadvertently or through your own submission, you posted the same thread about 10 times. To avoid duplicate content, confusion and fragmented discussions, please keep topics to a single post. Sometimes the site responds a little slow when a lot of people are logged on - just please only press 'submit' once. I've deleted the duplicate threads.

I've heard of Richard Brennan / Frederick Law Group, but have no experience with them. I'm sure others will be around shortly to give their feedback.

You can also try searching for other posts on the company by using our search feature up in the top-right corner of the page.

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well i did some digging on the company and i did find this posted on their site if it helps at all. Also they had some good info on debtors rights. This is what they say concerning those outside the maryland area. In this they do not claim to consolidate, but rather to negotiate with your creditors then you pay them.

For Those Outside Maryland:

Our skilled attorneys and paralegals negotiate settlements on your outstanding debt when you cannot afford to pay what is due each month, but do not want to file bankruptcy. For IRS tax actions, with proper documentation and payment we are typically able to remove levies and garnishments within 24 hours. In either situation we can get you back on track and eliminate your debts, legally and permanently.

We negotiate settlements on debt outside the bankruptcy context. The advantages are that you pay less than the face amount of your debt.
The negatives typically can include: negative marks on your credit, going through the collections process up to and including lawsuits, closing all your open accounts.

If you already are more than 60 days behind on your bills or are already in collections, typically settlements have very little impact upon your credit. The benefits of settlement over bankruptcy typically are: paying less than what you owe, no reporting to the court, not having to meet statutory minimum amounts of property to keep, not having to sell your assets, typically being completed in 36 months.

We encourage you to explore ALL your options before deciding what is best for your unique situation.

When you choose to settle your debt, we recommend you set up your own savings account to deposit a monthly amount as we have reviewed in your budget. Saving in this account lets you accumulate money for settlement. We may also be able to assist you in setting up a special purpose bank account that you own in order to better facilitate you saving for settlement. We then negotiate settlements on your accounts. Each settlement reached is reviewed with you to make sure you wish to accept that settlement and that you are able to meet its terms.
Dont know if this helps or not, hopefully I understood this right and it gives some insight.
Chin up

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__________________
Even in the barest desert you still find life and hope.

I don't understand why the phones are not working but the fax number is still accepting faxes.
I dont think the workers are dis honest as they have done a great job for me. I do think the main problem lies with the top officers of this company.

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I was with Credicure who then was taken over by Richard Brennan who now has been taken over by the Frederick Law Group and unfortunately...NONE of my debts have been taken care of. I had two creditors sue me and garnish my wages and take my bank accounts. The sad thing is that one of my debts was for 5500 and I had 6500 in my "special account" and they STILL did nothing for me. They were "working on it". I can't get my paralegal or his assistant to call me back when I leave messages. I can't get anyone to e-mail me and they also IGNORE my faxes!!! I am now looking at bankruptcy!! I thought when the Frederick Law Group took over things would get better as far as communication but NO LUCK!!!! I can't even get my questions answered and am in the dark about my accounts! STAY AWAY FROM THEM!!!! The debt settlement they talk about only completely ruins your credit, gets your wages garnished and your accounts frozen (then subsequently taken in 90 days because they STILL couldn't settle your debt!). I have NOTHING good to say about them and advise you to RUN!!!!

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Sad to say I was also hooked by them believing that it will solve my debt issues. Can we do anything to get our money back? I hope you keep me posted with whatever you guys are planning to do so we could join our forces.

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I am going through the exact same thing with them.
I contacted CCC in October and first Capital Law Group had my accounts and now Frederick Law Group (Brennan) has it. Their phones don't work, they don't return emails, and they won't give me a balance. They also tried to take a double payment out of my account. So now what it going on with you and the contacts that you made. I contacted CCC of Pittsburgh when I first began this in October.
Thanks, Stacey

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My name is Greg
I was a para legal for Richard Brennan
for the lase 2 years or so
I was layed off last month.
For clients that i have delt with in the past
that have my cell and e mail
Please stop e mailing and calling me
I cant help you I just worked for Mr Brennan
I can tell you e mail is the best way to reach them
again I wish i could do some thing moore for you
but due to the fact i and sevrel people were let go
there is nothing i can do

Good luck
Greg

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It seems that we have all fallen victim to the same scam. I was assured that money was sent to creditors in a settlement agreement, but now it looks as though it never happened. I have been battling with company for some time now, I asked to have the balance of my account sent to help settle an account at that when it had been completed that I would sever all ties with them. Well guess what it never happened. Don't fall victim to this company no matter what they promise. There attorney Richard Brennan is to blame as is Dustin Harkness who likes to blow a huge smoke screen and do nothing.

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We've been "working" with FLG since Aug 2007. Reaching anyone via phone is a joke. I don't believe they respond to messages "in the order received." I think they delete them all. As far as email is concerned...what a joke. We will be sending a certified, registered letter to Brennan and if there is no response in a reasonable amount of time we will be reporting them to the BBB & MD AG office. In addition, we will be start the process to recoup monies sent to them in good faith. The only good thing that has come of working with FLG is that the calls have, for the most part, stopped, for now. If anyone is aware of a class action suit against FLG for clients outside MD, please post info.

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I too, have been taken by FLG. Things were fine and dandy until I cancelled my account last week, as nothing was being done to my debts, but now they won't respond to any email and the phone number just rings and rings with no answer. Oh, and check out the BBB report on them...........not pretty at all. I am sorry I ever got involved with this, I thought I was doing the right thing...but now I am filing bankruptcy.

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I would suggest everyone who was ripped off by the infamous Richard Brennan to please contact Maryland's State Attorney General.

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Maryland Attorney General contact info

Consumer Protection Division
Consumer hotline:
(410) 528-8662
Mon-Fri 9 am-3 pm

Attorney General's
Main Switchboard
Toll-free 1-888-743-0023


File a complaint with the Attorney Grievance Commission: 410-514-7051
File a complaint with the Client Protection Fund Contact Information

Mailing & Shipping Address:
2011 Commerce Park Drive
Annapolis, Maryland 21401

Phone & Fax Numbers:
410-260-3635 - Phone
410-260-3636 - Fax
MD AG 301-791-4780
301-722-2000

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When one takes into account the amount of time these complaints have gone on, and one considers that the law office is still in business, I think it fair to say that perhaps alot of these claims are erroneous, at best, or just plain lies, at worst.

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No , these people are correct. Frederick Law Group, LLC has a horrible track record. Richard Brennan ripped people of when he did credit counseling with CrediCure and he is ripping off people of now in debt settlement with Frederick Law Group, LLC. Look them up on the BBB and read for yourself his horrible track record.

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__________________
Scammed ? File complaints at these links
FBI
FTC
State Attorney Generals
TASC

It's possible. But, Credicure and the Frederick Law Group aren't the same company, are they?

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