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

My personal experience SCREAMS save your money, contact your creditors and make arrangements yourself. If you can't like I couldn't, at least promise yourself to "STAY AWAY FROM THESE PEOPLE - THEY WILL NOT HELP YOU OR YOUR DEBT"

United Christian Financial
Creditcure
USA debt management
Law Offices of R.A. Brennan

If you've had a bad experience with any of the above organizations. Email me, let's help eachother get our money back and ensure that other consumers do not experience what we have. email address removed as per forum rules - Mike
. LETS DO SOMETHING ABOUT IT!!

You'll save yourself sleep, time and money!!!

Has anyone received ANY refunds back from this law office yet? I am curious...I cancelled my services with them and am still waiting for them to return the August withdrawal which they did nothing with. If so, please email me: email address removed as per forum rules - Mike


Thank you.

Hey I would like to know also if anyone got the money back that was pulled from my account just like Crystal said. Im not even****ing about the deposit of 400. I just want last months returned to me. I spoke to somone in September telling me to email her and I also closed my bank account. Because I dont trust the system or what anyone tells me anymore. I was told that the August payment that was taken out, is just sitting there and will be returned to me sometime in October. I better get that check back, or else I will raise hell with RA brennan. Was anyone told that we would get that month sent back to us?

NOTE>> R A BRENNAN wrote earlier a while back to a post stating to email him and that ALL emails get returned. Hes full of shit. I have re-sent the same email every week for the past month and still havent received a response. He told everyone on here to email him instead of****ing on here about the issues because he doesnt know the identity of any of us. So I guess the best thing is to call when they return on Oct. 9th....and clog up the phone lines and annoy the hell out of them until I get my August payment back. T

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

Just in case anyone is calling the (877)895-1607 that is disconnected try the other number (866)892-1055 on October 9th. Remember they are on the east coast!

They owe me for August and September. I was told I would be refunded on 10-1.

It didn't happen.

You know whats funny? I just received a voicemail from a girl named Nikki that works there, asking what I want to do with my account...she was the person I spoke with to cancel my account! I spoke with her on 9/7/06 and she told me they would stop taking payments out of my account and to send a cancellation letter. She also told me that I would get my August payment back two weeks from that date. Its really nice how they don't remember their coversations. This goes to show that the words that are coming out of their mouths are bull...maybe we should start recording our conversations...i'm not sure about anyone else, but these employees haven given me nothing but false information.

Everything they say is a bunch of bull. Like oh well take care of it or by this date you will recieve so and so. Oh and as for the payment I was told it should go out the 1st week of Oct. But with the shit going on with the phones and them not returning until the 9th, I would give it until closer to the end of october. DO we have to send a letter out to cancel? because I never did, I sent an email. But knowing how they are, they probably didnt recieve that either! MY bank account is closed anyways. But everyone call on Ocotober 9th, just dont sit and wait. Call and find out whats going on.

Has anyone gotten their refund?

Has anyone gotten any responses at all?

RAB I know you read this thread. My attorney says it is illegal to hold my money after I request a refund. What say you now?

I want you to know, I will not go away. I will contact every applicable authority. I will contact your State AG, my State AG, the BBB, the FBI and the Secret Service (since this is potentially banking fraud), and the media. I will not stop until I am refunded my money.

All,
I was able to prove, with the help of a very nice bank employee, that money was taken from my account for the last two months by RA Brennan (or whatever name they take the money under) and, my creditors provided documentation to my bank that they had NOT received payment for those two months. Based on those facts, the bank itself put the money back in my account, and is handling this as a fraudulent withdrawal of funds from my account, and the bank will be looking to Mr Brennan for reimbursement of the $1,414.00 of my paychecks he has in his coffers. You can stop him taking money from your account...I provided a copy of the original Credicure paperwork from 2005 which states my involvement in the program is voluntary, therefore they allowed me to shut off the automatic withdrawal from my account. Now, I'm seeking LEGITIMATE and PROFESSIONAL help to replace this scheisster and his minions. I also sent a registered letter demanding that his company or anyone associated with them immediately stop withrdrawing money from my account, and I have the documentation from the post office to prove the letter was indeed sent to his office. I will keep you posted on the outcome of this approach.

I sent a letter to them at the end of July to close my account, which they did, but they never mailed my last payment (which was a cashier's check - so the bank isnt very useful).... They said it refunded to me & mailed a month ago (minus the fee for August- even though they didnt do anything for me) and yet here I am in October still waiting for it. I was able to close my accounts w/ my creditors by paying them directly... I just want my money back from him! I havent gotten a response in a few weeks.

I got a statement from one of my creditors today. A payment was charged back to my account... So I called them and it turns out the check that R.A. Brennan sent them in july, bounced... There's a reputable business for you.... Haven't checked yet with the other creditors to see if there's bounced as well.. just not in the mood to find out.... Now they not only have my deposit and August payment's that they never even attempted to make... add on a few more hundreds of dollars for bounced checks... I sent them a certified letter in September stating I wanted my account to be canceled... finally about a week ago someone called me... saying they never received the letter... Well it was certified so I had proof of receipt, although I still had to fax them another copy and I faxed the receipt along with it. It appears that they have stopped taking money out of my account but won't be 100% certain of that for a few months according to the bank. I was told that I would get the August payment back at the end of October. They said it was sitting in an escrow account, because of some kind of audit. I've exhausted all avenues of trying to get something accomplished, this returned check is just icing on the cake. Thank goodness my creditors have all been very helpful and that I fortunately have had enough money to make the accounts current even though R.A.Brennan has $1600 of my money. R.A. Brennan if you are truly honest and contact people as you've stated above... I invite you to contact me... my name is Kristen Lee.. Client #13401... I'd like to know what you can do to help resolve this problem...

why dont you just close your bank. It isnt that hard to open a new one. Knowing how this company works, nothing is 100% safe, but they wont take out funds from your bank if you close it. I think its more of a headache, because your sending out a letter to ask them to cancel. They always say they didnt recieve something and so on. Dont trust them, save your self the trouble and hassle, just close your bank account, open another one.

I joined credicure then they were bought by richard a brennan. They are impossible to get a hold of if you have issues. They change their phone number every 30 days and do not have Customer Service Agents. They make you leave a voicemail and do not call you back. They were taking money out of my bank account every month and were paying my debt. Then they stopped paying my cards and kept taking money out of my account. My cards have now kicked me out of the program and i can't get back in and my credit is now really bad because of them. I'm attempting to file a civil law suit against them. DO NOT USE THEM. Use Greenpath a truley reputable company.

It's unbelievable how everyone wants money from you when your down and out. These people are just plain ridiculous :twisted: . Paying 200 dollars for a retainer when you can just

A. Go through the numerous pay day consolidation companies

B. Research and take it to them with all the resources you can get here and understanding that any debt you owe in the USA is subject to federal law.

They will lie and threaten but the payday loan companies days are numbered it's just a matter of time before Congress gets so sick of every letter they are getting they will do something about it.

All right I'm off my soap box now :)

patbb73.........

I sent you a PM

Anyone been able to get through? I am getting the same stupid message that they will re-open on October 9th. It is after 10am eastern time. This does not bode well. I think they have used the last week to get a headstart. They are taking our money and running.

RAB has my money--you are wrong, I DO know exactly how stressful it is like to have people calling all the time to collect money. I do not come to this site because I have nothing better to do. We are all in the same boat here so don't be so quick to jump to conclusions about someone you don't even know.

Guest ~ Perhaps you should take your own advice. You were very critical of someone who complained about being treated badly by someone who was supposed to be helping them. So maybe you were quick to jump to conclusions. Based on your comment, I assumed you were an employee of RAB.

You know what happens when you assume. I wish you luck in your debt situation. I know you are upset about the RAB situation, but don't take it out on us.

RAB--which comment by a "guest" is the one that you are stating is mine? Check facts before you shoot your mouth off. Your a guest here too you know. You are supposed to seek and give help here, not slam guest posters. Grow up and handle this situation like an adult.

Does anyone know anything about Consumer Alliance who supposedly is taking over the clients of RAB?

I guess I made another stupid mistake. I registered on here and got a call from CCCA and they signed me up for a debt settlement program with the law offices of Richard Brennan. I gave them my checking account info so they could withdraw the non-refundable "retainer fee" of $133 on Oct. 2nd. After getting some more info from this site I decided to try and settle with my payday loans on my own so I never signed or returned any of the paperwork I received. I called back CCCA and left a message on the voice mail of the rep I dealt with and stated I wanted to hold off on the debt settlement program and wanted to stop the withdrawal from my account. I made this call about Sept. 22nd. I assumed, like an idiot, all was well until I checked my bank account and saw that the $133 had been withdrawn from my account. I guess I should have called back and confirmed he got my message. Now I'm out $133 and will probably be overdrawn soon on my new checking account. It's tough to get ahead.

VBair, Crystal, Margeaux, & anyone else who is interested. I am suing him. My lawyer is taking it pro-bono. Profane language edited - Mike
. You won't even use your real name in posts, ***. I'm not out to get millions of dollars from RAB, I just want my money that's been paid in for services not rendered. I want the money that has been assesed for late fees, finance charges, etc. We'll get our money & honestly don't care that she's wants 25% of what we win, she earned it.

The Maryland Bar Assocaition has been notified, to which my lawyer was disguseted to find an infinate amount of complaints agianst Brennan & his sub-companies. Brennan has PERSONAL STAKES (as in he's partial owner if not a stock holder) in all of the companies he has been "representing". He's just been watching out for himself & his cronies via Enron style papertrails & accounting. Upon notification of my intent he's denied everything every step of the way but who is really surprised right? I'll let you all know how it's going.

Just for future reference the MD Attorney General will not help you in this situation as they can't take cases that were not 'purchased' in MD. So contact your own states Attorney General & best of luck getting anyone at the VA AG with over a 6th grade education working at that office to talk to you! HAHA!

So I finally got a response today stating they were mailing my refund back today. They gave me a check number and amount. I really hope I see this check in the next few days. Has anyone else gotten any response now that they are back open?

Jamie, I really hope they get what is coming to them. It is great that your lawyer will do that for you "pro-bono". Good Luck!

Hey Crystal!
I spoke to Nataha on the 9th and I was told that my name will be on a refund waiting list. ANd she didnt want to say what day or by how soon because she said she didnt want to lie to me. They lie all the time so I dont really know what shes talking about! Last time I spoke to someone the checks were to be mailed out on the 1st of oct. So I asked her if by Jan I would recieve my 344 that was not paid to my creditors and was taken out in August from my account. She said by then they should. But Im pretty worried at the fact that its been taking this long for us to recieve that months withdrawl back. FOrget the deposit when I stated. Yes it would be nice to recieve that back too, but obviously Credicure or whoever the company was then has that and ran off with our money. But I really hope we get that months back sent to us that has been just floating around. Its hard to believe that the money is still around and that its taken 2months to issue a check back to its clients. Doesn't that sound strange? I heard Richard A brennan was getting married last I spoke to him, and he better have not used our money to pay for that and a house for himself! Let me know if you recieve your money back, let me know and I will do do the same for you as well as keeping posted!~

The most ridiculous thing that R A Brennan told me in August....I asked him why the money was pulled out of my account and its been 3 weeks now and no money was paid to my creditors. He told me that the credit card companys recieved the money that he has the check number and these credit card companys must have cashed the checks. I was in shock! Do you really thing that 12 different credit card companys cashed their check in the same month? How obsurd is this? Little did I know that about 2 weeks later Credicure was going to shut down. How messed up is that to lie to someone and not tell them the truth. He was also trying to get me to settle out and never told me he was going to shut down Credicure. I am pretty gullible and that slime ball is taking advantage of everyone that works hard for there money. SO when I hear about the August payment being mailed back, I reallly want to believe it and I hope it will. But I think thhat when you call and speak to someone they tell you what you want to hear, and I think thats very messed up. WE arent going to go away, you may shoo us for that day but TRUST ME everyone is here to get there money back. In the long run his OFFICE will pay for what they did when someone sues the shit out of them. Have a nice day keeping my fingers crossed!

I guess his office must be up and running again, may need to subject myself to some torture and pick up the phone to find out the status of my refund... I actually haven't spoke to anyone in almost a month. Last I spoke to a Nicole, she said my refund would be in the mail, still haven't seen it. I did get a number from her for USA debt managment. I was able to speak to a very pleasant lady and she told me that if I could get a letter from RA Brennan stating when they stopped making payments, etc. Basically proving they didn't uphold their end of the deal. Well I haven't seen that letter nor the one I needed for my creditors stating I had opted to end the contract. In the mean time I found out that not only they have my August payment of $650, the check they wrote to a creditor in July bounced... so now they owe me August and part of July... I'm out $1000... it sucks... I try to be optimistic that I'll see it again but with all the lies we've all been told it's hard to believe. He can't keep taking advantage of people...

I too am in the same boat as the rest of you. I had been with Credicure since June of 05. Things were going fine until this past Feb. when the payments started coming a few days late. I was concerned, but since the payments were being made, I decided to stay with them. For your own information, I always check my statements against what the dmp says they are making, you have to do that to know if your payments are being made. So, in Aug. my payment did not get made. I tried to cancel my auto-debit, but since I had approved the debit in the first place, the bank would not cancel, however the online bank "teller" called them for me, and I began to find out more information while on the phone to this R.A. Brennan person. She stated all the information that all ya'll already know... The law office can't handle the excessive work load involved in taking over all of Credicure's clients. (Why then did they agree to take it over?) So, RABrennan is turning all their clients over to a new company, that is if you decide not to go with their "settlement" plan, which involves you paying the law office every month until you have a sufficient "balance" in your account, then they will "ask" your creditors if

they will take a lesser amount, getting you out of debt more quickly, but you aren't paying the full amount.

Cont. To make a long story short, RA Brennan has taken out 3 months worth of payments equalling $2.358. I pay them $786 every month. THey have not paid my creditors, and they told me that this new company would be taking over Oct. 1, and that all auto pays would be stopped as of Sept. 15. Well, they debited my account for the month of Oct. and now I am overdrawn almost $300! OF course when I call, all their mailboxes are full.
I did continue to make payments to my crediters during the months of Aug. and SEpt. You have to take matters into your own hands when your credit is being affected. I always watch when my payments are made and for how much. AT the first sign of trouble, I was making phone calls. RA Brennan had told me that all my creditors were aware that they would not be paid for these months until this "merger" went through to this other dmp company. WHen I called my creditors, none of them knew what I was talking about. I think I will take your advice and close my bank account. I just hope that I will get a refund somehow. I can't afford to hire an attorney.
Thanks for your advice, I hope this helps someone.

So if I am reading this correct - this guy is referred by the people that we call from the number here on this site?

I was also told that after Oct. 1, when the new debt management company took over, there would be an audit, and money would be refunded, and that all direct debits would stop after sept. 15th. Well, guess what.. RA Brennan debited my account AGAIN, on the 11th of Oct., leaving me almost $400 overdrawn. Has anyone gotten any kind of refund? My creditors have not been paid by the law office for 3 months. what do I do??????

Hi,

To anyone that gets a call from these people pls be sure to ask them what are the attoney fees? I just spoke with someone regarding consolidating PDLs and I told him that I have about $2,000.00 worth. I also informed him that according to what I have read up here in NC by law I can only be forced to pay the principal so that would reduce the amt even more. He then preceeded to do some calculations well, he quoted me $143.00/mo for 24 mos. He stated that it would take 24 mos b/c there are attorney fees involved. I asked what were the fees he said $2500.00. I said no thank you! He said that he calling from Consumer credit counseling and was referred to me by this sight. I agee that I did register but not to pay $2500.00 for less than $2000.00 worth of debt. He then told me that they could take me to court. I informed him that they were all done online and I said I don't think that they will b/c in this state according to this website and what I have read the law is on my side. Hey, look I am not looking for a free ride but I am also not looking for a rip off! My gut tells me that this is one. I know that getting involved with the PDL people will cost you something and getting much needed help will cost, but it should not cost you more than what you owe the vultures that you are dealing with. I don't know about you but I do not have a extra $2500.00 to give to someone that I will probably never even speak to. My advice is no matter how dire you believe the situation to be, never let desperation over rule your common sense!!!!!

This joke of a law firm and i contracted for them to settle out my accounts "in full" for a lump sum. i sent them $2500.00 the first week of July. Guess what? They took the money and ran. Didn't contact any of my creditors, are impossible to contact and have left me high and dry. If you hhave not already been taken by Richard Brennan and his disgustingly unprofessional and unfriendly staff...THEN DON'T. RUN WHILE YOU CAN.

What do you mean they ran with your money? they didnt run they are still there. Were you with the company before in a dmp? If you were and know what its like to get screwed by them, then you shouldnt have given them all of that money and settle. TO late to go with someone else now. They do answer there phone, just a pain to get a hold of and remember they are on the east coast. If anyone gets there refund back from AUG let me know! please...let everyone on here know. thanks! but im really starting to give up and feel like that money won't come back to us. :( It cant possibly take 2 and a half months for a return. I think that when we call they just tell us what we want to hear.

They are the worst company in the world! Do not give them any money! they ripped me off fo $1,300

I had Consumer Credit Counselors of America call me after registering at this sight. I ended up deciding not to use them because of a better offer. They are stating the frist fee WHICH has not been drawn out of my account yet is non refundable. Well come to find out all the paper work I got in the mail to fill out (have not sent back yet and I am not going to) is from the Law Offices of Richard A. Brennan. I only see a couple things on the forms they sent me that states CCCA and that is the mailing and e-mail address. I did not enter into and agrement with Richard Brennan law firm. I thought I was entering into and agrement with CCCA. I am trying to take care of my bank account on this end so funds are not taken out. I am also going to report them to the BBB and anyone else about the wrong doings of this firm. I looked CCCA on the BBB website with the address that is on the paper work I got and this is what it said.
Customer Experience Based on BBB files, this company has an unsatisfactory record with the Bureau due to one or more unresolved complaints.Most of on here are here for a purpose and that is to get out of debt and help and support each other, but then some people are getting in the hole futher becuase of people like the law offices of Richard A. Brennan. I work hard and am having a hard time paying my bills. I cannot afford to be taken advantage of and this is what I feel is happening to me.

Dear nas866-- I do not believe that RA Brennan law has such a bad record with the BBB. I went online yesterday to make a complaint, and they are a satisfactory cient, and much to my shock, they only have 1 complaint against them!
EVERYONE--go to the BBB website, type in RA Brennan's phone# (866)892-1055 and file a complaint!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Kimberly
Thanks, I did not type in RA Brennan, for I could not find them. I typed in CCCA with their address and that is where I got the Unsatisfactory. I will go back and check it out, because I am going to list both RA Brenna and CCCA of North Andover, MA with them. Maybe it will help others not get into a bad situation with them.

I have posted a complaint with the BBB a couple weeks ago...I used the name Law Office of Richard Brennan. RA law office told me my refund was mailed out on Tuesday. Haven't received it yet.

I don't think anyone is telling you guys that they're "mailing" a refund. Why would someone tell you that knowing full well that once you don't receive it your only going to call back and cause more problems for them? I think that they may be saying that you are going to get a refund, because no company would blatantly steal money, that wanted to stay open for long anyways. However, I think your hearing what you want to hear and not listening to what is actually being said.

Guest,

Their not "telling" me...I have emails stating it was mailed, including a check number and amount. And I actually just received it in todays mail. So, I know what was said to me. Sorry if they are not saying what YOU want to hear. I'm done with them now.

Crystal Glad you got your refund, I am working on making sure no funds are taken out of my account either from CCCA or R.A. Brennan. At this point I am really confused as to who I have been working with for last three weeks. I am going to try not to be taken advantage of by having money come out of my account for services I did not even use.

Crystal - I hope the check clears. Right now I have zero confidence in that company!!!

As of today, they tried to debit my acct. I am hopping mad. I called and I am calling back in a few to speak to a supervisor. Does anyone know exactly how they are listed on the BBB. I am having a heck of a time finding them to make a complaint.

Thanks.

I had cancelled my account back in September and sent a letter. I had also told my bank that they no longer were authorized to withdraw money. If they happened to do so, which they didn't, then my bank would go after them. It is against the law for anyone to take money out of your account without your authorization. From now on, if I were everyone, I would start recording my phone conversations, saving emails, getting names, etc. I don't trust them whatsoever.

I just had my attorney contact Ra Brennan and they spoke to Sam Mukiibi who said that they werent aware of holding my 344 for the August 28th the was debited from me account. They did that to everyone! They act like they are sooo unaware of what is going on with their clients its unbelievable! Sam said he will call back on Wed. and speak to my attorney to see if they are holding my funds and it wasnt paid. If it wasnt paid to any creditors, then my monet is sitting around. I have the bank statement to prove that the Law offices of RA BRennan deducted 344 and that none of my credit card companys recieved payment for Sep. Thank God I closed my bank account and I've had it up to here with them. Of course it illegal to keep peoples money, and just because hes an attorney doesnt mean he is a saint, and doesnt do things that are illegal. When I spoke to Natasha on 9/9/06 she said she isnt going to lie to me that she has no idea when the refunds will be issued. So I had my fathers attorney say a few words. Hopefully we will all get our money and peace of mind back.

Well, after discussing it with my husband tonight, if we don't have our refund by Wednesday - they will be hearing from our attorney as well.

I am in the same sinking boat as the rest. I have spoke to several reps. who point fingers everywhere except the office. I have contacted a lawer and he is giving Ricard A. Brennen 30 days to clean up my account or action is going to be taken. In a nut shell Richard a Brennen is stealing our monies.

I signed up with credicure about a year ago, and since then our balances have only gone up. I'm in the military and am consulting a JAG officer on what I should do. We've given about $7000 to RAB in the past year and 2 months. After reading all that you've written here, the United States Navy JAG officers are gonna be after this guy. He WILL never see another military client by the time we're done with him. I want every dime I've given him back, so I can salvage my credit score and get these balances down. If I cannot get my refund, it's gonna get ugly.