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

I see i'm not the only one. I have signed up with United Christian Financial and later on it was transfered to R. Brennan law offices. This is such a scam. People do not sign up with this company. They are ripping people off. For the past year all my payments were late which caused all the late charges to add up to significant amounts!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! They did so much harm to my credit that it is unbelievable. I really wish they loose all their clients and can not cause any more harm. They debited my account a month ago and none of the payments were sent out yet. What do they do with our money???????????!!!!!!!!!!!!!!!!!!!!!!!

I'm going to write a latter to Nebraska GA as well and i will do whatever it takes to make that R. Brennan to pay for everything: for screwing up my credit and for causing so much harm. He will be sorry he did all that once i'm done with him and his staff and the firm.

These guys are crooks! My story is ditto of all the others. Do not get involved with this firm. They have not made payments on time and the past month has not been paid at all. I belive he is trying to force all the debt management clients he took over into a settlement situation. Why would I trust his firm to handle a settlement when he can't even distribute my money properly to my creditors! Does anyone know what we can do to get our money back from this crook? All in all I stand to loose $2000 not to mention time wasted and stress/suffering.

So I made a second payment today. Amazingly enough, it was posted 1 business day later by creditors and they are in the process of getting the interest waived and closing my account. Now, I just have to get teh original payment I made via cashier's check posted to my account and refunded back to me. Its ridiculous what is going on right now. That is, if I wasnt just totally scammed.

Am too trying to get my initial depost of $ 400 back even though i havent finished the program and i havent finished it because this firm is nothing but scam and fraud. They were constantly late with my payments and i got kicked out of the program because of them. Every time i tried to get a hold of the firm, it was either closed for unkown reasons or their phones were down or their system was down. It was always somethign else. I have filed a fraud report against the firm and i have filed a complaint with BBB. I will do whatever it takes to get my money back. Why should that dirtbag get my money that i work so hard for and he just scams people who are trying to fix their financial situation.

I too have been having problems... and reading these just makes me feel more sick to my stomach... I initially signed up with Credicure and only found out that it got rolled over to this R.A. Brennan law in June because my payment was late and I was notified by my creditors.... I was told it was a compute glitch, a one time occurance. July payment was on time. Now here we are in August, they took the payment on the 1st and my creditors still haven't been paid. They too have my initial depost $650 and August payment which hasn't been applied. I'm really frustrated and don't know what to do... Going to stop payment before they take more money on the 1st of September... I signed up so that I could get my debt paid off and they are hurting my credit more than anything...

ive been trying to get a hold of him to see how much i owe on my last credit card i sent out one more payment.i call on the phone and they never call back.now i get a letter today saying to call this number 1-866-892-1055 and its a recording saying leave your name and number they will call you back.then they have a web sit which i tried to get to it says no site can be found. im really tired of this.

I went round and round today calling my debtors and stopping payment on my auto deduction. Finally actually spoke to humans today. Mainly due to pushing buttons and extensions until someone picked up. I have been lied to up and down. Last week was told payment would be in by end of month, today someone told me that the checks were at the creditor but they just sit on them. (spoke to all three of my creditors) they stated they cash them within 24 hrs of recieving. Spoke to another guy who said it was cause the gal in charge of payments left abruptly and they are trying to sort through it. What does one believe??? All I know is that they have my money and have not applied to where it should be. I told them I stopped payment and was informed that I would receive a NSF charge. I responded by stating that the funds are there and as soon as they can prove to me that the funds have been dispersed appropriately I would be glad to reinstate the payment. The more and more I go around with them, it seems like a big scam. I have turned them into the MA attorney general and BBB. My creditors have been understanding when I spoke to them and remitted payment of my own, but I can only afford to do that so long in addition to the money that Brennan's office takes... I have a message with a Tenney/ supposed office manager to call me... We'll see if he actually does, since no one from there has ever returned an email or a phone call. I sucks being stuck between a rock and a hard place. They have my money and many others are not abiding by the contracts that have been signed and it doesn't seem there is much to we can do about it other than report it... I am feeling that it may be best to just cancel the contract, walk away from $1300 and start from scratch. My creditors offered the names of legitimate dmp programs. Someone out there has to be a honest businessman. I am yet to determine whether Richard A. Brennan himself is honest but all I can say thus far from my experience with his staff is that I am being scammed....

Just thought everyone should know that I recently received a pre-printed letter from the above. This was after several phone calls and several emails about lost and returned for insufficient fund returns.
The letter states that as of February of 2006 CrediCure was forced to close. Since the closer creditors have requested Brennan remit with manual checks instead of electronic payment. Also, some of the checks that were issued were cancelled and reissued. It also states that they would prefer to help settle off your debts, but if I remember correctly you have to have $10,000 in debt or more for this to happen.
There is a new email address, which I doubt anyone will respond to, legal.issue(at)rabrennanlaw.com. Also, a phone number 800-892-1055, but since there is high call volume, the receptionist may return your call to schedule a consultation. The receptionist's ext is 101.
I pesonally will be seeking another debt management to step in, not before making certain that the three payments that were "lost" are taken care of,not to mention the a return of the returned check charges.
My main question is: Why weren't we informed of this problem before it became a BIG problem? I believe we are all trying to get back on track with our debt. Just goes to prove that you really can't trust anyone.

I have been thru this same stuff with USA/Credicure/Brennan. I have been switched to a company called Golden State debt management in California, does anyone have any info on them?

I have been trying to get with Richard Brennan's office because they let one of my credit cards get delinquent by 4 months, yet they still took the full amount out of my bank account. Any ideas on how I might succesfully get that back?

Like most all of the web postings on this company, my experience with Credicure/Richard A. Brennan has been overwhelmingly negative. Missed payments, late payments and now NO PAYMENTS to my creditors. Two debits have been posted to my checking account by RA Brennen, but NO payments to my creditors. I am now past due on all of my accounts in the debt management program. I am pursuing legal avenues and have contacted the BBB in Maryland. Any and all would be customers of Richard A. Brennan are advised to stay away.

There is a man named Clark Howard who has a radio show on AM radio and he helps people with situations EXACTLY liek this thread I am reading.

You can find more info about him and what he does to help consumers at clarkhoward.com. I hope this helps!

Link made inactive as per forum rules - Mike

I too was originally with USA Debt, who turned my account over to Credicure, who, if I'm not mistaken, had to shutdown because the CEO had a little problem with a government prosecutor. Somehow, this JERK, Richard A. Brennan ended up with my account. I was not informed when this happened. Next thing I know, my creditors are not being paid. After continually trying to contact Brennan's office, I finally talked to someone. I told them that I found a reputable/reliable
firm to take over my debt consolidation. I told them that I wanted my $900.00 deposit (paid to USA Debt)refunded. Mr. Brennan's office basically told me to "take a hike", we are keeping your money. I have since filed a complaint with the Maryland Att. General and the BBB. This b&$#^&d needs to be thrown in jail.
I am amazed at how this guy ends up with all our accounts, without signing a contract with him, then after not paying your creditors, thinks he can keep your deposit. Simply amazing.

I am pissed off like most of you all. I cant believe this **** richard A brennan can get away with this. I hope he rots in hell..for all the hurt, pain, and time he has caused me. SOme of you that say you havent had any problems with them..goood ****ing luck! I was with them for 6 months..and no problems. The 7th month there was late payments to my creditors. The 8th month there was a missed payment and now month 9 another payment..so im 2 months behind. They deducted a total of 800.00 everytime you call its a different story..that my credit cards cashed the check...blah, blah. I highly doubt 12 credit card companys cashed the check in the same month. GIVE ME A BREAK! I talked to the Moron himself..and he has a way of manipulating you..dont settle ..go with another debt management that is non profit and with the BBB. PLEASE READ ALL THE COMPLAINTS POSTED HERE. It infereates me to see that I wasnt the only one. Who knows how many other clients there were that this have happened to but didnt post a comment about it or complained. SO much money, time and struggle has went into this..and its become a joke. I hope he gets sued and shut down. I feel like flying down to ****ing MD and socking this ****. But you know what good luck to him! WHAT COMES AROUND GOES AROUND!

[color=Red]****Adult term removed - Jason[/color]

After the nightmare of having my accounts from credicure transfered to the law offices of Richard A Brennan I am now with a new company they turned the account over to about a month or 2 ago.
The February payment so many of us had autodrafted and not distributed by Brennan is still in their possesion and I have been trying since June to get it back. It is by their own admission that the payment was not distributed from February but they still have not fulfilled any of their promises to resolve since early June. On 8/24 a supervisor in their processing department gave me a line of crap and swore he would get to the bottom of it and call me back that day, needless to say I recieved nothing and can now get nobody on the phone. They also have a "circle" system going where when you select that you are a credit counseling customer that it just throw you back to the main message again. Due to numerous late payments in the short period of time with Brennan's office my wife's credit score dropped almost 80 points due to their actions, they deduct the money on time and hold it for weeks.
I spoke with the Maryland Attorney General office this morning and he did some internet searching while I was on the phone to see the amazingly high number of complaints with the local BBB and Federal Trade Commission. He recommended I call the Maryland Bar at 800-492-1964, they in turn had me call the Attorney Greivance board for the state of Maryland at 410-514-7051.
After speaking to a nice woman in their office it became clear to me that they had heard complaints about this office but she said there was no "public" information they could give me on an investigation.
She did however tell me to go online to their site and get a complaint form to file, here is the link
http://mdcourts.gov/attygrievance/index.html
You can download a pdf and mail it in, I'm sure if they haven't already started an investigation they with enough of these complaints mailed in they will start rattling chains at the office.
I encourage anyone with a legitemate complaint to follow through with this. I hate that I have been forced into this action but they have my money and will not give it back. They do not return phone calls or e-mails and I cannot get anyone on the phone, what else should I do?

When you call the number to Richard A brennan make sure you press 1...then if it goes back to the answering machine, do the same thing. Keep doing it until someone picks up. I know they are a joke, my credit was affected big time. WE are doing our part, they are not doing theres. I am going to go to the website as well and file a complaint. Did they make you put a down deposit when you started with them? ANd you get that back after your done with there program? I am looking into another company..and I told them that I put a deposit down and they thought I was crazy. There fee is 50.00 to start it up and 14.00 a month..Richard A brennans is 39.00 a month. The other place is open 24 hours a day and they are non-profit as well as accredited by the bbb. moneymanagement.org
I just got off the phone today and Richard A Brennan is trying to get people to settle there accounts because he is going to close the debt management program. His department is going to deal with only settlement clients. And all of the others that dont want that will be transfered to another debt management company. I hope he gets sued! I want my money back too..asshole!

I did the "1" trick and was able to get an operator for a company calles ATSL that answered the phone and she transfered me, not sure who ATSL is?
I left yet another voicemail that will not be returned.

Upon reading the threads here, I see a persistent problem. Those who signed on with the firm as clients have had a positive experience, while those that were not clients of the office, but rather clients of one of my corporate clients have had troubles. My phone system has been rendered inoperable at least a dozen times in the past two months due to greater call volume than it can handle. This has resulted in system shut downs and various other problems. To remedy this, I have urged non clients to contact the office via email. We have also found competent agencies with whom to place these consumers or offered our services directly if it is of greater service to their needs.

Regarding the press 1 option for ATSL...depending on what time you call them, lunch, taking a nap or whatever goes on there..you need to call between 9:00-5:30pm EST...from 12:00 to 1:30 they are at lunch. The switch board is Kathy I believe and she answers places you on hold for a while until Natasha, nicole, or anyone else picks up. They have about 4 people working there dealing with who knows how many accounts. With the whole message thing..a call wont be returned. they are full of it. They are quick to return the call when you want to join so they can get money from you. But of course when your accounts are late or no payment due to some bullshit with processing center problems...or your credit being affected because of there lateness...no one picks up to help!
Ive been with them for 9 months and this is the second time some of my creditors were shorted out the money that was supposto be recieved to them. Ex. Old NAvy is supposto recieve 20.00, they get 50.00 and then short my other accounts. Then I am responsible to pay the rest to make up for that month.

PS I could write a book about the issues that have occured a number of times. Now that this whole mess has gone down..I told my parents about it. They didnt know I consolidated debt and had no idea about my balance and that I was getting overwhelmed with the due dates, etc. I was embarrased and wanted to show them that I was responsible. Little did I know they are going to give me 8,000 to pay off my credit cards..and im not that stupid to do it through a debt place, not after what ive been through at Richard A. Brennans office. I am going to drop the program pay the full balance. Which I also will get 3 years of a head start to repair my credit that his office messed up. I am going to make monthly payments to my parents at no interest or fee! If I did it through his office it would be 1,400.00 what for? ASk a family member, dont be embarrased, and do anything you can to not settle with his office. LOOK online and do a debt management vs. settlement..reaseach your shit before you regret it. EVeryone that was his client recieved a letter with him convincing to settle out your account.

why dont we all sue the shit out of him? there must be hundreds of complains, and or scams from credicure/richard a. brennan. im sure everyone that had an issue doesnt even know to come on here like alot of us have. report him to the better buisness bureau. look at how many complaints! try his phone number, address put down as much info or else it wont work and it wont be able to find the company.

Nice try Richard, why don't you give me and the others our deposit back? And, that will probably solve most of what your reading here. Or, have you already spent the money? In the court case of Jeff Formulak (Credicure) who is the Judge that assigned you to take over our accounts. I can't believe that that Judge didn't tell you to: A.) Contact all accounts and give all funds in their account back to them B.) Tell them that they needed to find another consolodation firm. But, no, you totally mis-handle everyones account. And, tell us that we have NO OPTION, and, your keeping our deposit. Even when I don't have a contract with you to break.

I'm atking the advice of rwmosley. Amd contacting officials in Maryland. Hopefully, they will launch an investigation and seize your asset's, just like the did in the case of Jeff Formulak.

DON'T USE this company Richard A. Brennan or CreditCure which is one in the same. We have lost over 2000 dollars in the last year and just discovered that payments aren't being made. Keep watching the BBB they have quite a file on this group. Not only that, they do not call you back, they do not answer the phone , (well actually in the 26 times that I have called they have answered once) Their employees are rude and unhelpful and i'm still trying to figure out what happened to our $ since nothing is reflected on our credit card bills.

Yet again, I read the misinformation provided here. My office DOES NOT TAKE deposits. It never has. An attorney may not take a deposit. Just as every other attorney in business, I charge a retainer fee based on my hourly rate. If you are speaking of a "deposit", then you are NOT referring to my law offices. You must have made a deposit with another company and NOT with me. I cannot refund a deposit that I never received. Also, when you research CrediCure you will find that I was their Attorney and not a member of their board or an owner in that business. I do understand the frustration of the individuals affected by this. We are working to resolve all outstanding issues. It has come to my attention that a couple of my legal assistants spoke to clients without guidance and either misspoke or spoke on issues that they were not informed on. We have attempted to address this situation. They did not know what happened with CrediCure and then became short tempered when the recieved too many calls for them to handle. For that, we apologize and move forward with resolving the issues from CrediCure's closure.

Please see my immediate prior post. I have also spoken with Mr. Mosley and resolved his concerns personally. I invite you to contact me directly through my web site so that I may address your concern too. Again, I reiterate, I do not have any "deposits" that were made with any other company. I cannot refund anything that I have not received.

Please contact my office immediately at legal.issues(at)rabrennanlaw.com so that I may address your concern. As I do not know your identity, I cannot address your concern.

I just got through and was told that Richard A. Brennan has now gone bankrupt. Looks like all hopes of getting $ back is lost

so if we signed on to united christian financial when i began back in december. Are they the ones that are supposto give the deposit back? After what I went through with credicure I dont want to deal with another debt company ever again. I trust no one! Trust your family only!!! I am going to pay off everything with the 8 grand my parents are giving me. There is no website or phone number for credi cure? I cant find it. Could you please post something if you have that information. Because they are the ones who have the deposit that was taken out of my account. The 39.00 a month is richard a. brennans fee. Im not even worried about the deposit, im worried about
1. the payments being late
2. no payments being recieved
3. being thrown off my proposals
4. having all 11 credit cards reported for recieving no payment that month.
5. being in a bigger mess now than i was when i started. Thanks! I really dont know how you can sleep at night with all the mistakes that have happened to every single client of yours. WOW.
PS if its not richards fault, its someone who you employed or work with, and that obvioulsy falls on the man responsible.

That is exactly the same situation we are in. We have more debt than we started with now. Check out American Credit Foundation???? for anyone that is interested. They are accredited and audited yearly by an independent third-party auditor. They have no automated systems and someone is always there to answer your questions. They have been very helpful and we are going to use them.

I have been asking Richard A. Brennan and Associates for documentation of how the money + the monthly fee of $39 each month has been spent with our creditors without success. No informatin is being shared. Good luck to you all. It's hard to realize that you have lost out when all you are trying to do is better your finances.

How can I get involved in this suit against Brennan. We want our money back and our credit. Please help

Try contacting his office. Email. If you dont get a hold of them, which im sure you wont, you will need to hire an attorney. Its going to involve alot of money, but in the end it will make up for all of it. Some attorneys may not charge at first only in the end if they feel strongly about your case. When you find a lawyer tell him to come here and see how many complaints maybe we can all get involved. I dont know if you need a attorney in maryland. I dont know how it works because he resides there. I live in california..but i am researching to see what can be done.

The number for Credit Cure is 866-842-5393. I want to find out as well how to get involved in the law suit against taht son of the ****because it looks like us none of us are getting the money back. I really hope that scum bag gets thrown in jail and is left without a penny.

[color=Red]****Adult term removed - Jason[/color]

I'm looking at these posts and one thing is clear. Most of the people here don't understand what they're talking about. Most of these people hear what they want to hear and then assume the worst when things don't go according to what they thought they heard, and don't actually listen to whats being said in the first place. If they had spent as much time investigating and asking questions about their credit cards, or other creditors, as they do slinging baseless accusations at a law office then they would probably had the foresight to have not gotten into the debt messes that they are in. Now they are backed up into a corner and are whining and pointing fingers because they don't know whats going on with "their money." I'd say they never knew what was going on with their money in the first place or else they'd never have frivolously managed it as they did. I'd expect this kind of crying and finger pointing the Democratic party, not people who need help with debt.

Hey! I'm a Democrat and I don't do any crying of fingerpointing! Nobody in this forum does. People fall on hard times and reach out to companies like this for guidance, and not everything goes as expected. You are the idiot here! Laugh at yourself, you loser!

Upon information that I have, UCF is a dba for USA debt management, a for profit company located in Alabama. CrediCure was a non-profit credit counseling agency that was formed in Florida in 2000 and moved to West Virginia in 2003. CrediCure was involved in a lawsuit against a for profit company, Ballenger Group, LLC, which interefered extensively with client funds, nearly bankrupting CrediCure. CrediCure began accepting clients from USA / UCF in 2004. Clients who signed contracts, signed both a contract with UCF / USA and a contract with CrediCure. The UCF/ USA contract called for the consumer to make a "refundable deposit" of their first payment to UCF / USA. The deposit was refundable upon the consumer completing their program with CrediCure. Unfortunately, CrediCure went out of business and it appears that there was no provision in the UCF / USA contract for this scenario. From what I have heard from speaking to angry former CrediCure clients, is that UCF / USA is pointing the finger at my law firm for the first payment that they kept. My law office has now born the brunt of client anger due to issues that arose out of the prior companies transactions. We are doing all we can to recover monies and resolve issues caused by this mess. I STRONGLY urge the consumers posting here to contact me at legal.issues(at)rabrennanlaw.com, to go over how we may help. As so many were affected, my staff is a bit taxed. There also seems to be so much disinformation and misinformation floating around that consumers are simply exhausted by the problems. We only seek to fix what we are able to. Issues caused by third parties, we cannot fix unless they relate to our represenation.

I am deeply concerned now that I am reading and hearing that someone out there is giving incorrect information out that my office has filed for bankruptcy. This is not true. If you are not dialing 866-892-1055 or 301-624-0023, then you are NOT contacting my law offices. Please provide details to my office immediately as to who you are speaking to and at what telephone number. To my knowledge, there are no active phone numbers for CrediCure since March of 2006. Anyone else you may have spoken to was not employed by CrediCure.

I began reading these posts occasionally when a former clietn of CrediCure's informed me of its existance. Recently I was directed back to it by one of the posters here. He expressed his satisfaction with the outcome of our discussion. He even posted the positive experience he had in dealing with me. Since I began actively participating and reading, I have been contacted by two additional people, both of whom have expressed gratitude for the information and assistance. One of those was Mosely who posted above. I can't stress enough how important it is to obtain accurate information, as there is so much inaccurate information out there.

Just to let you guys know because I am an Attorney and have worked with the Law Office of RAB they are legit. But first to correct you guys, Creditcure and the Law Office are different companies. Credicure was forced to close in 2005 due to the changes in IRS debt management laws. When they closed, they forwarded all their clients to the Law Office. Yes they do have the same number, that is because the Law Office attached their number to the Credit Cure number to clients could reach them. The LAW Office was never intended to be a permanent place for all the credit cure clients. What they specialize in is debt settlement which is a far better way to get out of mass credit card debt. I just wanted to update you guys so you didn't get the wrong idea....

whos number is 877-895-1607? because that number works. it says law office of richard a. brennan.

Here are the facts about credit counseling:

The IRS has recognized approximately 900+ organizations as non profit credit counseling agencies. As recently as 2004, more than 2500 agencies "claimed" to be non profit credit counseling agencies. There is a clear discrepency.

The IRS conducted an audit of the 75 largest non profit credit counseling agencies and REVOKED the non profit status of ALL of them. These 75 agencies represent 40% of the debt managment plans arranged in the United States.

The IRS has issued industry audit questionaires or audits of the remaining recognized non profit credit conseling agencies.

The IRS has ruled that those agencies which engage in distributions of creditors for fees, either to the consumer or from the creditor, are engaging in an IMPERMISSIBLE conduct of acitivity for the benefit of a for profit concern.

Interpretation: if the credit counseling agency makes any money by collecting consumer payments and distributing it to creditors, they WILL have their non profit status revoked.

Problem: At least 42 states REQUIRE that any agency that collects and distributes payments to creditors to be either a non profit, or an attorney pursuant to the licensed practice of law.


Further Problem: Almost every non profit credit counseling agency that operates in one of those 42 states is in violation of the non profit rules if they get ANY money for the dmp. As a practical concern, they cannot operate without getting enough money to cover the costs of doing the business. They cannot comply with both the State and the Federal law.

In my travels and talks with various States' Attorneys General, the States' solution is to ammend their laws to allow licensed for profit credit counseling. In the meantime, the industry is in an incredible state of flux.

Many agencies are indeed reputable. Please look for those that comply with industry standards (ISO 9000 certification, Counselor certification, certification by the US Bankruptcy Trustees) and/or are licensed in your state to perform credit counseling. When I place a consumer with an agency, I make sure that they are compliant BEFORE I place them.

Richard A. Brennan posted about our 1st deposits. Knowing what I know now..this makes a lot more sense. So this company doesnt exist anymore? they took our deposit and ran? Richards office has nothing to do with our 1st down payment. What if I signed on with United Christian Financial, are they Credicure as well? Or did they pass me on to Credicure after the 1st deposit amount? I am going to send an email so I can get help and understand a little better. Thanks.

If Your Credit Counselor Has Gone Out of Business
What happens to your dmp if the credit counseling company that managed your debts shuts down? A counseling agency that is going out of business may send you a notice telling you that your DMP is being transferred to another company. Or it may tell you that you need to take some action to keep your financial recovery on track. If a government agency has filed an action against your credit counseling company, you may get a notice from a third party. If you discover that the organization handling your DMP is going out of business you need to:

* contact your bank to stop payment if you are making your DMP payments through automatic withdrawal.
* start paying your bills directly to your creditors.
* notify your creditors that the organization handling your DMP is going out of business. Consider working out a payment plan with your creditors yourself. Ask if they will give you a reduction on your interest rate without a DMP.
* order a copy of your credit report. Check for late payments ???????? or missed DMP payments ???????? that may result from the company going out of business. If you see ???????late??????? notations you don????????t expect, call the creditor immediately and ask that the notation be removed. Understand that they have no obligation to do it.

If payments are late because the organization handling your DMP has failed to make scheduled payments, the consequences can be just as devastating as if you failed to make payments to the DMP. If you do not act quickly to make arrangements with your creditors, you could incur late charges that increase your debt, lose the lower interest rates associated with the DMP, and have ???????late??????? marks on your credit report.

The Law Offices of Richard A Brennan will take your money... and keep it! They do not pay your creditors on time. They do not give you all the information neccessary to be fully informed of what they are doing to your credit. I have higher balances now, a worse credit rating, and I have been through months and months of mental and emotional stress because of this company. DO NOT sign up with them and if you are currently enrolled, GET OUT! They do not return phone calls, faxes, or emails. When you do talk to them, they make promises and don't follow through.

I found out 6 months after my consolidation company got bought out by The Law Offices... would have been nice to have been told.

If RichardABrennan can take time to post a reply here... you would think he would have time to fix the damage his company has done to my credit/ debt.

After about 2 weeks of trying to get with someone at RABs office about some missed payments I finally got thru to a Sulma Santos. After a few talks with her and faxing her some statements she said that they are supposed to mailing in the missed payments it only just a small victory because as of now my balance is more now than it was in januaury because of the missed payments and outrageous interest because of it. The number I got thru with was 240-215-4937, Sulma Santos

Please do not believe a world what they say to you!!!!!!!!!!!!!!!!!!!!!!! They are all whole bunch of liers and nothing else. They might have told you that will send the missed payments in, but you will see that they actually didnt. This firm is a scam and i really hope that very soon it will be shut down.

I see that Mr. Brennan has taken the time to respond, to these many angry postings. But what I haven't seen is and response to the email I sent him at his "requested" email address. We still have bills not being paid and no response from his office. I find it hard to believe that he has all this time to post comments on this website and no time to help his customers. BBB here I come.

Every email that I have received has been responded to. If you could give me some sort of indication as to who you are, then I can check on your request.

I have invited several individuals to see the records as to when payments were remitted. We are doing all that we can to assist those affected by CrediCure's closure. It has not been easy due to so much misinformation and misdirection outside of the control of my firm.

Please see my above post on the background of UCF / USA and CrediCure. They were separate companies, with USA / UCF taking the first payment, then forwarding client information and contracts on to CrediCure. CrediCure took on the responsibility for distributing payments. My investigation has yeilded that there were several issues going on which may have affected client payments from CrediCure. My offices are working to resolve those problems. Among the many issues I have found, is that many clients got 30 days behind at the beginning of the program and many creditors never updated that status. Another issue I have found is that payments miss posting in one statement only to appear on the next statement. In part this can be caused by automated payment processing systems used by creditors. In still other cases other issues exist.

Typically, in all credit counseling agencies, a consistent problem I have found is balances are higher than when the consumer started. This is usually (but not always) due to a proposal issue at the beginning of the program. This issue can also become present if the creditor's automated system does not record a payment within a 30 day payment cycle. Typically, if there was a payment made in good faith, the creditor will rectify such issues if they are notified within 60 days of the occurrence.

Just thought I'd provide some useful information.

Also, as for time.... this morning I "found" the time to defend a debtor from a sherrif's sale of her property and have a judgement vacated because I proved that the settlement offer my office made was reflective of another client's financial ability to do so. I logged in to see if I was missing anybody here that needed immediate action.

Please contact my office immediately at payment.issue(at)rabrennanlaw.com so that we may review your claims and see what can be done to fix your situtation.