I have had nothing but an absolute nightmare dealing with this company. I signed up more than a year ago with United Christian Financial/Credicure/Fidelity Reserves/USA Debt Management under the agreement that I would pay $365/mo to be sent to my four creditors. I had to put down an initial deposit of $329 to be returned at the end of the program. Everything went along fine for quite a while, but at some point, without notifying me, United Christian Financial switched my account over to the Law Office of Richard A Brennan, associated w/ Credicure. I noticed my creditors started receiving my payments weeks after they took the money out of my account, but I wasn't getting late charges and the payments were being received.
My August payment was taken out on August 8th, 2006. By the end of the month my four creditors had not received them and the accounts were past due. I called the initial number/information I had signed up with, and was informed that my account had been turned over to another company months ago and they (United Christian Financial, Fidelity Reserves) could do nothing to help me. They gave me the # to Richard Brennan's law office. I probably called about 30 times, leaving 20+ messages before I finally was able to get someone. I got a woman named Natasha, who was very snotty to me and told me they were just behind on putting out the payments, and they would be sent out by the end of the month (August). She assured me they would be received by all four of my creditors by September 7th. I don't like my accounts being past due so I borrowed money, worked extra shifts, to be able to bring three of the four accounts current. A week later my money still had not been received, so after calling probably 6 more times, being disconnected, leaving multiple messages that were not returned, I finally got a hold of Natasha again, who told me, oh whoops! They were never gonna send that money out to my creditors! Supposedly I was supposed to have gotten a letter 3 months earlier explaining that they were switching the business over to yet another company, and I could do that, or claim that I was going bankrupt and become a settlement client, which would completely screw my credit up. Natasha refused to call my creditors, refused to refund my money, refused to send it out to my clients. It finally became such a hassle dealing w/ her that I blocked them from taking my September 8th payment, and canceled out of the program. I was ASSURED, PROMISED, that my August payment of $365 would be refunded directly into my account October 1st. I called back another day to confirm that was true, and was told that actually a check would be mailed out to me on October 1st.
So on October 2nd I called and spoke w/ Tiffany, who told me they were still backed up, and that my money would be sent out that Friday (October 6th). Then the following week I called back to confirm, and she told me that Friday October 13th was when they were all to be out by.
It is now what, October 18th? No check. I have left Tiffany a message on her direct line everyday this week, and no messages back. I have emailed every email address they have multiple times. I have found other people online who have been screwed over by this law office as badly as myself. Not only am I forfeiting the initial deposit of $329, because I "dropped out" of the program in order to protect myself from having more money stolen from, but at this point I am still out my August 8th payment. Believe me, I would not have signed up w/ a debt management program in the first place if I could afford to have $700 stolen from me!
I had the SAME problems with Brennan. Lucky for me, in July I requested that I be removed from the program (I had to fax them that request), and they stopped taking money out. Otherwise, I don't know how much more $ I would have been out. At this point, I'm out about $300 bucks...I'm one of the lucky ones. I actually have correspondence with Mr. Brennan himself in which he responded to my e-mails (once out of like, 30 times) and told me that I was being "harsh", that he was doing nothing improper, blah blah blah. Sure. Then why, dear sirs, is my money still gone? I truly hate this company and this organization and I've told them several times...I'm seriously wondering if we can find many other people who have experienced the same types of problems with Brennan and at the very least file a class action against him? It couldn't be hard...do a search for "complaints" and "Richard A. Brennan" and you'll come up with a multitude of results. STAY AWAY! I'm serious.
I too was hosed by this thief. His firm and his rude employees need to be stopped. I am out over $4,000 including payments that I made to LORAB, over limit fee's, late payment fee's etc... charged by my creditor's. LORAB only made ONE payment to my creditor's on my behalf after all the money they took from my checking account and guess what folks, the check they sent was returned for Non Sufficient Funds! I got charged returned check fee's by my creditor's on top of everything else. This guys is a bad, bad man! Stear clear of him and his business.
I too had enrolled in the united christian foundation for debt consolidation, after recving letters from my creditors they were not recving payments, I tried to call the united christian foundation and recvd a message that the phone # was disconnected I located some of my paper work and found a phone # from someone their I contacted it and was laughed at stating the united christian foundation was no longer in bussiness they were forclosed...Then 1 month later I recvd a letter from law office of richard a brennan stating they were to take over my account, I spoke with a Nikki there, this took place in Aug 2006, I then filled out the paper work they sent me, in Sept my creditors sent notification still no payments being recvd, I called back law office of richard a brennan where I spoke to a Romara who stated that theh creditors were refusing payments, they would reissue, called back in Oct and got a recording the office was under construction and that they would be open 10/7 called back was told Romara no longer worked their was given a Tiffany person to work with and she stated my paper work was never filed, I then refaxed all the paper work that day 10/19 to comp. while they were still withdrawling from my account, since then I have sent 17 emails and tried to call every day I get a recording stating mail box is full...I am out over $1200...This is a fraudulent law office and i would highly recomment avoiding any buss. with them what so ever...
Unbelievable! I have had the same trouble with Brennan, along the same time line! I can't get into details right now because we are taking legal action. He has caused so much tension and pain in our family.
Im honestly in the same boat, I m in schock nowthat I read all these posts. Could anyone inform me how to process legal action, does it worth it?
I have had similar problems. I have taken myself out of the program but am owed money and am getting the run around. I feel like everyone should get together and bring about a lawsuit against these people.
I am really glad that I did a Google on Richard A Brennan Law Offices. They just took out my first payment of 784 dollars. After seeing all of these complaints, I think that I will get out of the program. I guess that I will change my checking account so that they can't take out any more money. I already lost 2000 dollars to another debt settlement co. There should be some way to get satisfaction from these types of scams that these people pull on unsuspecting victims. I guess that a person would be better off talking to the creditors and reach some kind of agreement for payment of the debt.
FYI - below is information that was posted on another site regarding a class action lawsuit that was filed against Richard A Brennan.
A class action lawsuit against Richard A Brennan was filed in the Circuit Court for Frederick Co., MD on 12/12/06, Case No. 10C06003015. We are attempting to create a victim database. If you have a claim against this defendant, contact us at the email address indicated below (Please ... no telephone calls at this time). Give us your name, address, claim amount, and any additional information about your claim that you wish to provide. Unfortunately, due to the large number of claimants, we may not be able to answer each email individually or respond to individual inquiries about this case.
Law Offices of James P. Koch
1101 St. Paul St.
Suite 404
Baltimore, MD 21202
jkoch1(at)ix.netcom.com
jpkochlaw.com
I feel particularly foolish because I am an attorney who had switched away from law to open my own business. As a result of the new business, I got behind with my bills last year so I trusted Richard A. Brennan to help me get back on track. Like each of you, Brennan clipped me for about $333 but I got out fast! By the time Brennan tried to get the second payment from my account, I could see that he was a fraud so I went to my bank, put a stop on the automatic draft authorization and I froze the second payment to Brenan before it entered his account. (Your banks can trace the automatic withdrawal authorization and stop them. Brennan uses Wells Fargo to pull the funds on his behalf. Then just go to your bank and stop the authorization from Wells Fargo. You will need the authorization numbers from Wells Fargo. There might be a fee from the bank but its worth it). I never signed anything with Brennan even though they promised to send me a contract. That's just as well. Good luck everyone.
I too have been taken for a loop by Richard a. Brennan. I was signed up with debt company credicure. They were sold to Brennan. I have been given the run around as to why my bills were going unpaid, even though money was still being taken out of my account. I am awaiting a check from Richard A. Brennan.
I'm so happy to find this site! I have the same problem and am currently still dealing with Richard A. Brennan. I was with CreditCure, was handed over to RAB last year and everything has gone downhill from there! My credit score has suffered (even though they told me it wouldn't) and I feel like I'm about to lose the over $1000 I've paid in to these guys. After reading all these comments, I am now about to get out of this program so I don't lose anymore money. I think if we all come together, we can get our money back from these fools. How do we go about filing a suit against them? Email me if you have any leads.
I'm having similar problems. I have called the Law Office numerous times without getting a call back. Debt collectors are calling stating they have never received any money. The person that manages my account has been changed a number of time. I leaving voice mail messages to a person who no longer works for the firm. I tried calling the direct number and get a voice message informing me to leave a message. They are still taking money from my bank account, but I am not receiving anything in return. How do we go about filing a suit again these people? Please let me know.
Thank you.
I was having a hard time keeping my bills current due to a tragedy that happened in my life. My dad died in Feb then my son was murdered in June. I was off work due to caring for my father and had not gone back to work when my son was shot. I called consumer credit to get some relief and was sent to these people. I was told I would have to pay my first payment to the attorney which would be $290 then the rest of the money would be in an account for my creditors and if I decided to cancel I would get the money that I was paying 225.00 monthly back. Well in April I decided to cancel their services because I could never get in touch with these people and told them to cancel and send me my money back minus the 290.00 I was told I could not get a refund because I owed them almost 3000.00 in attorney fees. My debts were only [protected] so why in the world would I pay them that when I was not working. They have 1515.00 of my money and will not return it. There are ripping people off that are trying to pay their bills.
Here's one of the Brennan's homes:
Richard Brennan
Wife = Essence Butler
23829 Burdette Forrest Rd
Clarksburg, MD. 20871
Perhaps the IRS should take a look at this company!
To anyone asking about filing a lawsuit against Richard Brennan - one has already been started:
A class action lawsuit against Richard A Brennan was filed in the Circuit Court for Frederick Co., MD on 12/12/06, Case No. 10C06003015. We are attempting to create a victim database. If you have a claim against this defendant, contact us at the email address indicated below (Please ... no telephone calls at this time). Give us your name, address, claim amount, and any additional information about your claim that you wish to provide. Unfortunately, due to the large number of claimants, we may not be able to answer each email individually or respond to individual inquiries about this case.
Law Offices of James P. Koch
1101 St. Paul St.
Suite 404
Baltimore, MD 21202
jkoch1(at)ix.netcom.com
jpkochlaw.com
I too signed up with Richard Brennan's office for credit counseling services. I was told (by SOS Debt management) the first payment was $199 after the first payment it would drop for the remainder of the program to $109.
The second payment taken from my account was $199. I noticed this when my card was declined due to my bank being over drawn.
I called Richard Brennan’s office and was told they would correct it immediately and refund me for my overdraft charges. That was back in December.
Since then I have called repeatedly trying to get my money back. After my account was delinquent for two months my bank was going to turn me over to some company and file charges. So I had to pay them $400 to bring it up to date since it sat so long.
The helpful rep that said they would take care of it was no longer with the company after a few weeks of them taking my money! Convenient? I think so!
In January when this so called law office tried to take the monthly payment from my account and it was declined that’s when they decided to call me. Even though I had called numerous times trying to contact them!
I was told that they were not responsible for it! I had to contact Consumer credit counselors of America. So I did, and then they told me that it was SOS debt management who then told me it was law office!
I have been sent in circles since December and still no money back!
The real toppers are I told them FOUR times they were not authorized to money out of my account and they still did! And what did they do with that money? Pocketed it! They didn't pay any of my bills and they have now all been reported to my credit and have ruined my life for the next 5 years.
I was also told I could easily monitor my account online when I signed up. I just found out that it is a proposed project that won't even begin until 2008! I have to call the creditors to find out what’s going on.
And one more thing. I had to close my bank account since they refused to stop taking my money and when I went to open another one it is now on my record of the overdraft fees!
So I am suing! I am taking every charge I can to court from internet fraud and unauthorized banking transactions to age discrimination (one of there reps told me she didn't care what was going on because I’m young and can't do anything about it!)
See you in court Richard Brennan "atty at law".
All I can say is crook, crook, crook. They robbed me for $1,3000. I know it's not that much, but I had to make double payments to my credit card company, and now my interest rate is 27% again. May me and Richard Brennan meet someday.
I am so glad that I Googled Mr. Brennan. I signed up with Consumer Credit Counseling of America and a payment of $200 was scheduled to be withdrawn from my account on June 15, 2007. I have frozen my bank account and written a letter to CCCa to cancel my plan before it starts.
Thanks everyone... I was just saved a lot of money and headaches.
Much appreciated.
All too familiar postings. I trusted these people and signed up with them back in summer of 2006 to help me resolve an IRS debt. I have gone through four or five contacts and phone numbers change like the wind. I am out around $3700 and want and need it back. They were to pay the IRS $100/month out of the $372/mo they were withdrawing from my bank account. The IRS since time has began levying some of my bank accounts because they have never received a single payment from them. So where is my money and what are they doing with it? I have notified my bank to not allow that withdrawal and will have to file an affidavit with the bank indicating that the company is fraud, not legitimate and a huge scam in order for further months to not be withdrawn. If there is a class action suit being filed someone count me in and let me know how to proceed. I need my money back to help resolve my issues. Luckily, I did find a nationwide reputable company that will help me with my tax issues and it will cost me less and I will owe less for taxes. I have been trying to reach the office for the last nearly two weeks and all voice mail boxes were full and you can not leave a message. Then as of yesterday a recorded greeting answers the phone and you can leave a message. I have left four message to no avail. They are a fraud! I want and need my $3,700 back NOW!
Wow, all stories to familiar. I was with credicure and all was well. They were sold out or turned over to Richard A. Brennan due to legislative issues. Money has been taken out of my account and no payments have been made to creditors since June of 2006. A new program was set up as they say. I called the bank where my money should have been due to them taking money out of my account. I pay 475.00 a month. They told me I had $800.00 in my account. Simple math tells me they are missing about $4,000 dollars? Where did it go. The fees were minimal according to them. My credit score has also dropped which I was told it would not. I will be more than happy to join the class action lawsuit. I have been notified that my wages were going to be garnished by a creditor who took me to court and I did not even know it. I was not served. I was notified that I lost in court that I was not aware of and owe this balance. I joined to get out of dept. I am now farther in. Any advise please email me.
Can anyone provide me with the phone # for Richard Brennan?
I just contacted the office of Richard Brennan and I spoke to a gentleman by the name of Craig Pierce... $200 was taken out of my checking account and Mr. Pierce said it was a Marketing fee... does this apply to anyone?
I was referred to a debt management company to consolidate my credit card debt and lower my monthly payment. I was never late and always sent more then the minimum payment to my creditors. I signed up for the program because I had high interest rates. I thought the smart thing to do was to go through a debt management company. I signed the contract for the company on 03/29/06. I assumed over the months I would see my debt start to decrease but I was wrong. I was debited $215.00 a month from 3/29/06 to 8/23/06 .
Here our the Drafts from my account
3/29/06 -215 04/24/06 - 215 05/23/06 - 215 06/7/06 -215
07/24/06 - 215 08/23/06 - 215 and recently on 10/27/06 ( I never gave Richard A Brennan authorization to debit from my account).
In my eyes this is breach of contract meaning they didn’t hold there end of the contract by paying my creditors Richard A Brennan and company debited my account and didn’t send it to my creditors as they should have.
I am not only concerned but I am stressed out and in over my head because over the months the Debt Management Company was suppose to disburse the money they debited from my account to the creditors. The result of the disbursement was very negative. I then called Credit Cure / Law Office of Richard A Brennan. Here our the contact numbers I called to reach the representatives. Credit cure [protected]
Law Office of Richard A Brennan [protected] Natasha West [protected]
Meteya [protected]. Or [protected]
When I called, most of the time the person would answer the other line with replying to me such as hello? Who is this ? Or is this Joe? That doesn’t sound to professional to me. I finally reached Meteya Hart-Love, a manager of the Law Office I suppose. Ms. Meteya acted as if she was going to help me resolve my issues. After our phone conversation, I sent her all my statements over the months from my creditors and she told me she would get right back to me the next day. After waiting for a few days for a phone call I then called her repeatedly for several weeks, a dozen or more times, leaving her message after message and I have yet to hear back. On the terms of what happen calling a lawyer sounded about right in my circumstance. The lawyers I spoke with directed me to write to the Attorney Generals office for both the state of Florida and West Virginia.
Because of this company I am at loss of Money. Also, my credit rating has gone from a 7.2 to some ridiculous low score. I owe more on my accounts now then I did when I signed with the company. I also have to situate these matters with my creditors and credit bureau.
Update - on 5/1/07 I called the Law office of Richard Brennan and spoke with Romi she implied that I would be getting a check in the mail and that Meteya hart love was taking care of it. This is over a year later I am still getting the run around . Romi couldn’t tell me when or how much this check would be for . This woman replied to my complaints by saying Meteya has a lot of paper work and the company has gone through an audit . This company is such a scam.
I would like my complaint resolved by gaining all my losses described above back to me.
Wow... I too have been part of the Brennan SCAM! He took me for $840.00 total. I know you all agree that is a lot of money when you are in financial troubles. Not to mention the fact that he made matters even worse when the creditors didn't believe us when we were trying to explain why once again the payments weren't coming. It was a complete nightmare and I lost so much sleep over this! Finally things are back to normal but he is nothing but a THIEF and he needs to pay for what he has done to all of us. Im sure he lost no sleep over ripping off innocent people. I hope that jerk ROTS in jail for all he has done. Obviously he has no morals or his employees for that fact, knowing all the complaints, I would have never have been able to continue working for such a man that was stealing from innocent people. What goes around, comes around... we have to believe that S. O. B will get what he deserves! Best of luck to everyone to get their money back!
I started UCF back in 2005. I paid a fee of $175.00 for about a year. They were not hard to get a hold of for a while, but then it just got harder. And finally, when I could no longer get anyone by email or phone i decided to cancel my bank account and get a new one because I couldn't get anyone to stop taking the money out of my account. I am out about $1500.00. I desperately need the money. I'm 24 and bought a house just before all of this happened... i guess that was a good thing because I won't be in a place to get a house anytime soon... since my credit is shot. My account has been canceled for some time now, i just haven't been able to get my refund. I have been very nice with email and faxes... but my patience is wearing thin. Good luck to all the others who are dealing with this travesty!
Have all of you joined in the class action lawsuit against this Devil. I think you should the more people that join in on it the better so you can nail him to the wall.
Under the assumed name of "consumer credit consolidation of america" these awful people pose as credit counselors here to help you consolidate all your loans and credit cards. They charge a 395 dollar start up fee which the person on the phone will so generously bring down to around 285 because "they're such a nice guy and you sound like you re in need of some help". They say that they will pay all of your creditors every month with around 350 dollars that is taken out of your account on a set day. They send you some shady paper work that looks like a high school kid put together and every time you call their offices, they have someone different pick up the phone who knows nothing about your "account". Their explanation for this is that the original person you spoke to works in the florid office and this person works in the washington office, or something of the sort. I had to stop payments through my bank when my credit cards had no record of the cards being consolidated. Luckily for me i was on top of things and harassed the credit consolidators every week so it didn't take long for me to figure out that something wasn't right and of course as son as i stopped he payments i couldn't get a hold of anyone from the "company". Also, their answer to my every question about why i had to pay so much money up front or why i never had to sign anything first or receive information in writing before i agreed to anything was "its just the way it works and how our company works, you have to sign now r else you'll lose the great deal i just gave you and the 100 dollars of the registration fee."
Don't buy into it guys. like my father always told me, don't sign ANYTHING until you've researched it through and through! I also searched this Richard A Brennan guy on every state bar association and he doesn't exist.
Good luck.
I lost over$ 3000,00 dollars to this company. I would like to join the lawsuit against Richard Brennan. The ### of all ### on this earth.
I also have been scammed by this man. He is now operating under Frederick Law Group, LLC. I thought I had checked them out, but evidently not good enough. They have taken around 3000.00 from me and I feel really stupid to have trusted this firm. The employees of this firm are either very naive or just plain stupid. I rate myself in this category for believing them and believing they could help me. I will also be filing complaints against him with the Attorney General in Maryland and North Carolina.
Fortunately for me i only got screwed out of about 1,000 dollars. emailed and phoned them... after never returning my calls i emailed them again, and left them a voicemail that i was done with them and to never contact me again. I switched bank accounts. low and behold i get a call 2 months later (today) from a new employee asking me to call them back. Yeah right. I am not even going to put the effort into getting my 1,000 back. I never want to hear this man's name again.
Looks like richard has been running away from a lot of bad publicity. Heres a website that explains about his firm, funny how it never mentions his first name (probably to avoid people googling him). I remember his last website, and other sites like this one, said he was located in MD... so does this new website.
What a joke. I want to call back the employee that just called me and tell him to google his boss, then quit his job.
http://www.brennan-law.us/index.html
believe it or not these idiots e-mailed me and told me they had no record of ever taking any money from my account. I have the bank drafts to prove it and one of the paralegals, eric pierce, said they have no record of this money being drafted. I emailed him several times, however he has a problem with spelling and putting sentences together so i'm sure he doesn't even know what is going on. The girl I was dealing with that answers the phone, Sharonda, called me the next day to ask if they could go ahead and draft my next payment. I couldn't believe it. I had just received and e-mail telling me they had received my certified letter terminating any dealings with them. They told me I would be in breach of my contract! What about that special account they were supposed to set up for me. Where is that? And where is my money? They don't know. Figure that one out? I have a very good lawyer friend
helping me, and even though I know I probably won't win I am still going to pursue them to try and get my money back or at least hassle them to death. They blocked my emails because they said I was rude and abusive in them. They were sooo right. THEY ARE THE BIGGEST CROOKS!
I need info on the class action law suit . He stole $7000.00 from me. It's been a year since I canceled and was told I would receive my refund in a week. So much for the six month theory. By the way that was Mattae Hartlov.
Please contact me by e-mail if you would be interested in pursuing CLASS ACTION SUIT: They took me for $6780.00
Please, contact me if you're intersted in pursuing these people.
WE MUST REACH AS MANY PEOPLE AS POSSIBLE.Thank you.
I had the same problem! I lost over $4000 dollars since the past 2 years... I am trying to file a law suit againts this company, any ideas?
I am wondering who the attorney is that is representing everyone? I have had over 10, 000 dollars stolen & not refunded. Please help me.
please help
I have contacted the better business bur. in the town they are in. Their findings were the same as all of ours. They referred it to the District attorney in their county and they have opened a case about this. I am sorry I do not have the email address of the DA but I advise anyone to contact them with any questions. Good Luck...BROKE in HARROGATE
Judging by the complaints, there are a myriad of disinformation and incorrect information mixed with the true. AS with ALL lawfirms, fees were collected up front. Service could not be provided if fees were not paid. Second, most of these complaints involve CrediCure. the Law Offices did not take on CrediCure's accounts. It represented CrediCure, and when it closed, many problems ensued. Because the Law Offices did not know of the underlying problems at CrediCure, we were unable and unprepared for the volume of issues and the difficulty in resolving them, ultimately causing the closure of the Firm. All people involved are being reimbursed over time (as the Firm has been closed since June of 2007). When accounting was performed, no one had any money stolen or taken by the Firm. CrediCure's account problems only showed up when they stopped collecting funds due to clients being placed with new agencies. Those affected, were the last to be transferred.
Kristy White's complaint is completely unfounded. She did not have payments deducted and blamed the Law Offices for payments that were never made. Furthermore, upon receipt of her bank statements, the purchases of alcohol, tobacco, online gaming, and dining out caused her financial situation. We have also initiated several libel suits against such individuals making false claims.