Law Office of Richard A. Brennan / $700 stolen from me!
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!