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

Ok...Now we understand what is going on and the amount of pressure that your law office is under...What can we do to make the process easier for you and ourself in getting these issues resolved???...I understand that if we just keep pointing our fingers at your office that it will just eat up time that you could be actually working for our accounts...Let us know what the best thing to do would be so that we can get the peace of mind we'd like to have about at least knowing what will happen to us, and give your office the breathing space it needs to work on our accounts

After seeing the amount of time that Mr.Brennan has devoted to answering our questions my fears that this is a scam have been lifted. I appreciate him taking the time to address my concerns, and even though I am not continuing his program (I have recieved an insurance settlement and will be paying my bills in cash), I thank him for the effort he put in on our behalves.

Hi can anyone help I was with credit cure and they ruined my credit, 100 points score went down did not payed late ect..
now what am I better doing consolation or settlement or a loan against my house if I can get one??? thank you for any advise

I'd go with a debt settlement. At this point your credit has already been hurt so theres no need in dragging out the process when you can save yourself about 50%, not to mention a few years off the length of the program. As long as you don't incur any new negatives on your credit report after you finish the program then your score will rebound. It makes absolutely no sense to take hard earned equity out of your home when you can settle off a debt so much more easily.

If that's the truth about Credit Cure and Brennan Law Offices then why is there a busy signal on the 877-895-1607 like it has been disconnected?? I have spoken with people at this number several times from March till Aug. now can't get hold of anyone...being threatend to be sued myself because Brennan Law Offices didn't make payments on time and even skipped payments...but still took the money out of our accounts. So my question is this...what's true and not.

who is taking over for credit cure i was told that richard brennon will only do the settlement not consoladation. Does anyone no who will get credit cures clients?? Thank you

Yes the number is disconnected I called as well. I would go to your bank account and do a stop payment. I am also going to close it out because if he still trys to take out the payment on your due date, the bank told me they will still be able to if they change the amount. So your not safe because they can automatically withdraw the funds. The best bet is to close the account. I wrote his office an email last week and also tried to call, to tell them Im done with there BS, I dont want a settlement or anything. I was told clients that didnt want to settle will be transfered over to another debt management company. Which one? who knows! By the time they contact you it may take more time then it already has. GO to this website and its to his office, call these numbers, its works...but good luck getting a hold of someone, no one returns your calls. rabrennanlaw.com/

I wish I'd had the good sense to look here when I was contacted by RA Brennen. All I got was a letter from his firm, and a note posted on Credit Cure's old web site that "due to recent IRS tax rulings, Credit Cure has had to turn its clients over to RA Brennen". I also had to send RA Brennen a power of attorney. I have been with Credit Cure since they were known as Nexum, and, before that, as AmeriDebt. I've paid over$1000.00 per month since June 2001 on an initial debt of $72,000. As of end of Jul 2006, I only owed another $23,000., which I had expected to finish paying off within the next 23 months (from Jul 2006). Last month, August, RA Brennen failed to withdraw my payment from my bank by the agreed upon date. 10 days later, I called and spoke with a woman in his office.
She said she didn't know what happened, but would make sure the woman responsible for making the ACH debit was made aware. She asked me to call her back in four days if the transaction still had not taken place. I called her back four days later, and got only voice mail, and left her a meessage that the money to pay my creditors still had not been taken out of my checking account. Since then mid-August to today, Sep 18, I've yet to receive a return phone call OR response to my e-mail inquiries, after e-mailing and calling an average of every other day! I notified all my creditors, made check by phone payments to all of them for Aug and Sep, and post-dated phone checks for Oct. One of the first creditors I called, Bank of America, was willing to listen to my tale of woe with RA Brennen and suggest that I get in contact with another company that does CCA with them. I am calling them tomorrow, as I ran out of time today (taking off from work to make calls all over the East Coast and Mid-West to my creditors, 14 in all, from my residence in Alaska, a four hour time difference). The real kicker came, though, was when one of my creditors, with whom I had both a VISA and MC account with, told me that the checks RA Brennen issued in Jul to pay my accounts with BOTH bounced! I have contacted several lawyers, and I too may file a suit against RA Brennen, even if it is only in small claims for the few hundred they took from me and bounced checks on! I suggest to anyone else using (or rather, BEING used by!) RA Brennen: First stop payment on any pending ACH payments from their account to Brennen. Second, since you have to pay a fee to stop payment, and it will only be good to stop ONE payment, you should next revoke any power of attorney you've given them and BOTH fax the revocation to them, THEN send it to their business address return receipt requested (registered mail). Third, close your current checking or savings account, whichever Brennen HAD access to, and re-open a new account (with your same bank, if you explain the situation they will help you!)so Brennen cannot sucessfully send any more ACH demands for payment to your account. I know, from reading the posts here, I have been extremely lucky that Brennen didn't take my money AND refuse to pay my creditors! I hope my advice here will help any others in these circumstances. The ONLY pitfall I have with my own plan as stated above is that four of my creditors told me that if RA Brennen doesn't send them a "release", stating that they are no longer my CCA representative, that they will not accept a proposal from ANY other CCA; this means my interest rates and payments to these four will go up; but, I am optimistic. Should RA Brennen refuse to provide them with that correspondence, I will explore other options with these creditors AND the courts and BBB, AND Bar Association in MD! Good luck to us ALL (except RA Brennen!)

Hey guys, I too am enrolled in the dmp currently under the umbrella of Mr. Brennan. I have emailed a notice to the email that Mr. Brennan has provided and will let everyone know what form of response and progress that I make.

We need to find a forum that is not limiting our discussions & where we can find others like ourselves to start the class action lawsuit. My lawyer is all for & has said that I've been screwed six ways from Sunday. Since signing up my credit has gotten so bad that I can't get approved for an apartment!!! The gov't won't even entertain the idea of letting me get into section 8 or HUD housing it's that bad. I trusted UCF/FRC who trusted RA Brennan to pay my bills as was discussed & put in writing. As my lawyer sees I have no contract with RA Brennan, only UCF which is no longer in business. I will cancel my payments. I have found conflicting information online about the BBB & RA Brennan. I have expressed my issues to both the BBB & Maryland Attorney General who have both advised me to contact a lawyer ASAP.

Please blog mediator-help us by letting us use our email addresses. this needs to be resolved as you can see how many have been affected.

DO NOT GO THROUGH THIS COMPANY! It is now September of 2006, and I consolidated through them in February of 2006. My credit went from great to POOR, and the agency still has not contacted 2 of my credit card agencies to propose a plan with them to get me out of debt. So, now that I am done with them, I'm out about $1600.00 and am still in the SAME amount of debt that I was in when I started. DO NOT GO THROUGH THEM!

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!

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.

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.

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

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.

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.

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.

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:

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

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

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.

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.

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

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!!!!!!!!!!!

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.

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.

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.

Interesting take on the advertising. One that I share. What I advise, is to research the fees in your state, and choose an agency which allows you to watch your money via an online statement or something similar. Also, be advised that under the IRS guidelines, the primary business of a non profit credit counseling industry MAY NOT be debt management plans. I advise that you speak to one that does not push you into a dmp.

I want to sue this creep! ANybody else?

Since this Law Office is closed between now and October 9th, does this mean the Law Office will be issueing refunds this week? I continue to get the runaround from their employees. First, on 9/7/06, I cancelled my service and demanded my August payment asap. I spoke with a girl named Nicole. She told me I would get it in two weeks. I then called on 9/20/06 and spoke to Nataya (a supervisor). She told me their "systems" were down, and that I would receive it BY October 1st. I had her repeat what she said, just so I heard her clearly. I called back on 9/29/06 and spoke to a Tiffany (after leaving two messages for the supervisor Nataya, I decided to speak to someone else). I wanted to find out if my refund was mailed out yet. She said it would be today. She forgot to mention the fact they would be closed this week. What I don't understand, is why I keep getting told lies by these unprofessional employees. If nothing was done with this money (and nothing was, because no payments went out to creditors), then why is it so difficult to get our money back? I am waiting on this to pay my creditors for that missed month. This law office has done nothing but cause frustration and problems. Everyone should have the right to cancel and receive their deposit back. It is not our problem Credicure went out of business.

I understand that Credicure went out of business.
I am one of the lucky who has been able to close my accounts out, except for the balance DUE TO ME by RA Brennan's office for the final payment they received on 8/1. I was told that it was put in the mail 3 weeks ago. I'm 99% sure this didnt happen, b/c its 10/2 and still nothing. I invite a phone call from you, Mr Brennan. I'd just like to get this resolved so I can be one less person "clogging" the phone lines.

VBair--you go right ahead and do what you want to do. Nice that you have $$$ for a lawyer but not for bills. It seems that this guy is trying to be helpful. Keep you crappy comments to yourself.

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.

Guest ~ I am guessing that VBair is trying to pay his/her bills, after all he/she went into a debt consolidation program. Or maybe, like me, he/she happens to have a friend that is an attorney. If Mr. Brennan was trying to be helpful, he would refund us our money so we could pay our creditors, since it is obvious they are not paying them.

I don't think you have any idea how stressful it is to get calls constantly demanding money. Money that you paid in good faith to a company to take care of them for you. We are the clients. They work for us and they are not doing what they are paid to do! Why is it a "crappy comment" to object to being treated like crap?

Enough with the excuses. Just give me back my freaking money so I can pay my creditors.