Has anyone been contacted by Credit Counseling of America wh

After you submit the application form in this website (debt consolidation Care), the system picks the appropriate counselor from the ranking chart. The counselor is referred to you depending upon the total amount of debt entered into the system.

You are free to take the free quote from CCCA. If they find it necessary that a debt settlement program will work the best for you, they will put one attorney in your case. Maybe, Richard Brennan is the one to whom your file is sent by CCCA, though I am not sure. You are under no obligation to sign the contract until you are rest assured about the plan. You can shop for other companies also before you finally decide working with one.

There have been recent negative posts about Richard A Brennan, so I would do some research and check out the Better Business Bureau's website and other resources before committing to anything. As Anthony said, you can certainly check out other consolidation/settlement companies on your own. The main thing is to feel comfortable with the company you decide on.

Staying neutral, I will say, don't sign anything with the company until you have understood the terms and conditions carefully. There are times people get confused with the program and realize that they have been scammed after their money is sent. I heard someone saying that he signed for consolidation but didn't understand that it was actually a settlement program, he was signing for. When he questioned the company why he was still behind in his payments, it was too late for him to understand because he got sued by his creditor.

If the company can be held responsible in a situation, people also need to be careful when they sign anything with them. Ultimately, it's your debt and you have to take care of it in the best possible way and with the right decision.