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

:( :( i have been waiting for answers since may 15th 2006 on correspondence to my refund back from mr brennan's law office he told me he would take care of it and i still haven't seen anything yet i have email them wrote letters and sent a letter by a notory public accountant. i am pleading and begging for some kind of response. now they want me to fax my proposal to them so they can take care of this situation. i hope i hear from somebody soon it has been way to long. i need answers to this situation. thanks

Please GOD that this thing happens! I looked up Consumer credit counseling (a reputable non-profit) in our local phone book & Brennan has his number listed as such, which he's NOT! We're out nearly $2000 because of this guy & the collectors are still calling, still taking us to court...I could go on but I won't.

I heard about the suit against Brennan & called Mr. Koch's offices. They were great & now have us included in the suit against Brennan. Breech of contract, false advertising...I don't care what we get this jerk for, as long as we get him & the people who trusted him get PAID BACK!!!!

No payout could fix our credit score, but winning this suit would be a great start. We're having to declare BANKRUPTCY because of this garbage!!!!!!

I hope Brennan gets fried for all he's worth on this. I really do.

My husband and I can't even buy groceries because all our money is being spent on late fees and heightened minimum payments to our creit cards. Richard Brennan is a thief on so many levels. He has robbed us of our money, trust in others and our good credit standing. The stress has caused problems in our marriage. I have to take on a second job so we can pay the rent. I hope you are reading this Richard. I have one question for you. How do you sleep at night?

People,

I work in the debt settlement industry and alot of the complaints I see on this website about Richard Brennan are complaints that my company routinely gets as well. I am fairly skeptical of a majority of these complaints because at our firm we tell consumers that their credit is going to be hurt (though half or more of them come to us with maxed out creditlines that they're typically 30-60 days late on already but somehow it's always our "fault" when their credit is "ruined", as if being 30-60 days late already was helping it...) and 2-3 months later are calling because their "credit score is ruined" and we "did it" to them. When confronted about it they, the consumer, are always mystified and claim we never told them. When we refer them to our disclosures (which they must initial each disclosure and sign at the end) they claim they never got it, and when we produce their signed copies they magically remember it but claim they "didn't know it'd be so bad", even though it is explained to them multiple times before any money ever changes hands. Another thing is people who get sued, sign up with us after the fact, and then complain that we didn't get the lawsuits dropped. For those of you unfamiliar with how these things work it's pretty simple; creditors will settle out of court, but typically only if you have the money available. If your being sued for $10,000 and you've paid 3 payments of $300 how can you honestly expect anyone to settle an account for that low? The only person I know who can take such a small amount and spread it over such a large debt is Jesus, after all, he fed 5,000 people with 5 fish and 3 loaves of bread. We however are mere people, we can not perform miracles, but when given the right tools to do our job we can produce miracle like results. I understand that alot of people who sign up for settlement programs are not wealthy, so I completely sympathize if you can't pony up alot of money in a short period of time to prevent a lawsuit, however, on the other hand I wish that these same people who we are so understanding with, would in turn understand that for us to settle accounts you have to have funds and if you don't then it's not our fault. How many hours we have wasted responding to frivolous BBB complaints when we could have been negotiating with creditors! People never seem to think about that. They always come to us when they're one step from filing bankruptcy and when we can't get them the instant results they want they file BK because they have no patience (typically settlement plans run from 3-5 yrs, but some people cancel within 3 months because "nothing's been done". They know full well they're in this for 36-60 months but 3 months into it they want to quit? Thats like going to a football game and leaving at the end of the 1st quarter because no one has won the game yet! Then again, rational people don't typically run up alot of debt they can't afford...) and when these people finally file bankruptcy because they aren't satisfied it's always our "fault" (never mind that they are typically on the verge of filing before they sign up with us) and we have to endure the full wrath of all those who we tried in good faith to help. If Richard Brennan is dealing with these same type of people then I sympathize with the man. If, as is alleged, he truly did all these people wrong then where is the proof? I see alot of people saying they're contacting their attorney general, but not one person saying that their attorney general got back to them and confirmed that Brennan did something wrong. Doesn't that seem odd to anyone else?

Industry insider - cry me a river. How lucky you were to find an outlet to vent and wallow in self-pity. What a bunch of dribble. Your sob story makes me wonder what kind of company you work for since you're answering so many "frivilous" BBB complaints. It sounds to me that your clients are "sold" a program and not truly counseled. No wonder you sympathize with Richard and Mr. Formulak since you apparently operate the same way.

Check your facts before you speak. Page 1 of this blog has the BBB report on Credicure, and details on the class-action suit can be found by googling "Maryland judiciary case search" and searching Richard A Brennan. The tax lien against Richard is also there -he was sued by the IRS for not paying more than $160K in taxes. Still want to defend him?

Guest,

I don't know quite where to start in replying to you. I'll try and make my response as painless for you as possible.

Firstly, you saying that we never "counseled" anyone is absolutely correct. We are not a credit counseling company, we are a settlement company. We do not, nor have we, held ourselves out as a credit counseling agency. So your first point is irrelevant, at best.

Secondly, about the BBB Complaint on Credicure. McDonalds and Burger King have millions of BBB complaints filed against them. Anyone can file a BBB complaint against anyone if they wanted to. If I call Bank of America and one of their customer service people are rude, I can file a BBB Complaint and claim that the woman told me to "f$ck myself" and it wouldn't make it true would it? So that should dispel the notion that the simple filing of a BBB complaint proves anything.

Also, looking at the Maryland Judiciary Case Search, that just shows that a suit has been filed. In today's world I can sue anyone for anything regardless of whether they did something wrong, and if a bottom feeding attorney thinks he can make a buck or two off of me by suing someone then he'll encourage me all the way to the bank to sue. So, your third point about a suit being filed is irrelevant as well. Have you not forgotten that those accused are innocent until proven otherwise?

As for Mr.Brennan's taxes...I have no opinion on that. Thats his own business and doesn't reflect in any way on the allegations in this forum. You people can't even stay with your own messages. From what I see first it was "he stole our money" and now it's "he owes the IRS taxes", grow up and leave the man's personal life out of it.

So, as I said before, where is the PHYSICAL PROOF that anything wrong happened? I see a lot of people pointing fingers and saying "he did it" but not one scrap of proof. I bet these same people think that the Apollo missions were done in the desert.

A consistant trend with these crooks is that they prey on unsuspecting consumers and when the complaints roll in they explain it way as being in a high complaint industry and blame it on the clients. They use shame of being in debt as a tactic to make upset consumers shut up and go away.

Every day thousands of personal situations change across this country. A medical condition, loss of employment, market downturn, divorce are only a few of the reasons someone can fall behind. Any "industry insider" would know this.

Physical proof has been repeated shown throughout this forum. Maryland dept of taxations records and guidestar dot com show that Brennan is behind all of these companies. What is really incriminating is that he owns the non-profit credicure and also owns the for profit company also named credicure. Bait and switch anyone? I wonder which bank account my payments went into.

My lawyer told me that he would not want to be in Brennan's shoes since all these fake companies lead back to Brennan and his gang of crooks.

a bit about Brennan being sued by this IRS about not paying his taxes. If everyone remembers a few months back Brennan HIMSELF posted on this forum claiming to be broke and never recieving any money for his efforts. I guess this would be proof that he lied. Remember, you only owe taxes on money you recieve as INCOME. Yes the money most likely came from a different company his controls but anyone can see all this is nothing more that a shell game con.

No to bring up something else but since 2004 - the year the IRS sued him for - we have had soldiers in harms way and this clown is ducking out on his taxes.

Also, again as any "industry insider" would know the atty general office does not respond to complaints. They do however, launch investigations into the criminals behind these scams.

good thing for this site... i signed up for CCCA and was assigned guess who? richard brennan as my go to guy haha.. anyways... After reading about this guy on this site... i quickly called to cancel... but CCCA tried to feed me some BS on how i have to pay the first payment because of their services... which was sending me some paper in the mail... i said sure ok, but then i had my bank stop any withdraws from my account... long story short... those scammers didnt get a dime... thank you guys!

"Industry insider" do you have a personal stake in maligning these clients? If you open the link for the class-action lawsuit you will see there has been a lot of activity, and the parties are currently disussing a settlement. If there is "no proof" why did the courts accept the case, and why is Richard attempting to settle? Also take a look at the cases where he was the attorney. With only a handful of small cases over the years, where did he earn that much income to owe the IRS $167K in taxes? Credicure clients and/or his debt settlement clients perhaps?

PS, why is your company selling clients debt settlement when they are only 30-60 days behind in their payments. Those clients should be steered into credit counseling. Consumers beware. Debt settlement is not likely to be to your advantage unless you are severely delinquent on your accounts, and are willing to accept the damage that will be done to your credit report. You will also have to report as "income" the amounts written off by your creditors.

I worked for this company for 5 months and finally quit because I could no longer mislead customers. I would tell customers one thing and see that none of what I was being told would happen, ever would. I was told to ignore all messages on my voicemail even though they were customers who were very concerned about their debts not being paid. These people do not have your interests in mind. When ever I would take initiative to try and help clients with there concerns, I would be reprimanded. The owners of this company refer to their clients as "dead beats" and "losers???????. FIND SOMEONE ELSE!!!!!!!! SCREW YOU JEFF,RICHARD,AND BARBRA!!!!!!!!!

Believe it or not, some people, no matter whether they're 90 days delinquent or current, actually think that the proposition of cutting their balances in half and being out of debt in 3 yrs sounds good. Look at it like this. Why spend 20 yrs and $40,000 to pay off a $10,000 balance on a credit card? To keep your credit "good"? Some people are just maxed to the hilt, are on time, but the amount of credit that has been extended to them is such that they realize they'll be paying on it the rest of their lives. Some people would rather spend some of the money saved on their retirement or their child's education. Even with the IRS issues you're only paying around 30% of what you save in taxes. If you settle a $10,000 account for $5,000 and pay tax on the $5,000 saved then your still saving around $3000+ in addition to the interest and fees you'd normally have been paying. Some people weigh the costs and the benefits and decide this is the route to go. We're not "pushing" anyone into a debt settlement. I've simply been trying to show this forum that alot of the problems that Richard Brennan seems to be having are industrywide, not just with him. The bottom line is that we do save people money, and thats important to these people. Settlements are becoming more and more common as the credit laws change. You'd be amazed at the amount of people who decide to file bankruptcy, find out that under the new laws they no longer qualify for a chapter 7, and rather than pay back a portion of what they owe (just like a settlement) in a chapter 13, will come back to us and decide they want to do a settlement after all. So don't criticize me and what I do as something bad. Credit card companies loan money to people to make money, they don't do it to be nice. Yes, we're in this for the money also, but unlike these giant credit card firms we actually care about our clients and do all we can to save them money and make their lives as best as we can. For some people your best is just never good enough though, and thats a reality that all credit counseling, debt management, and settlement companies face. Nuff said

Industry Insider you????????re telling only part of the story. Is that your sales script? This is what you are leaving out.

1) Accounts have to be charged-off before they can be settled. Accounts that are only 1-2 months behind have to go another 4+ months without payment so they can be charged-off, and then settled. With credit counseling, accounts are brought back to a current status, therefore a consumer????????s credit score suffers less damage.
2) Car insurance companies and potential employers look at credit reports. For 7 years consumers may pay significantly more for their car insurance, and/or they may have problems getting higher paying jobs.
3) A lot of things change in 7 years, and families may need to buy a new house or car, secure a loan to send their kids to college, etc., etc. It will be VERY difficult to qualify for any type of credit until the notations are removed. Credit counseling on the other hand lasts 2-4 years. It will be more difficult to get a loan, but not impossible. Lenders are often satisfied once a consumer can show 6-12 consistent on-time payments through a program, and also because the consumer is paying the FULL amount.

Consumers ???????? before you sign up for debt settlement know the facts. You????????re not just "sticking it to the man," you're also sticking it to yourself - for 7 long years.

The following article was written by LaToya Irby, a former collections agent in the financial industry, and the full article can be found at About.com

Quote:

Industry Insider. Stop now before you keep embarassing yourself. The bottom line to any consumer, do your homework on anything you do. The rules and regulations are available online to all consumers regarding what happens when you are in debt and the way to resolve it. Do not trust anyone that states they can perform these tasks in all states. That is simply not true. Each state has their very own specific details. Look for that and you will find the best way to get out from under your debt. The unfortunate reality is that there are no quick fixes unless you can pay off the debt immediately. Otherwise it does take some time to resolve a debt. And as far as the taxes he owes, that is in direct relation to his business affairs not his personal affairs. He made the money and it is public knowledge. They are linked, period! As far as the Attorney General of Maryland, you may want to give them a call some time, they may be able to enlighten someone who seems to know so much about the business or for that matter Mr. Brennan himself.

Is it a crime to pass yourself off as a paralegal? This Brennan guy refers to everyone on his staff as 'paralegals' but none really are. Yet another lie uncovered in this fraud.

It is obvious who this industry insider is. Right Mr. Brennan?

actually, the American Bar Association's definition of a paralegal is basically anyone who assists an attorney. Most states require no liscensing, though it is generally preferred one be certified. However, leading attornies offices nationwide will hire if you have 2-3 yrs experience (just as good as a certificate generally). Just to clear the waters

Damn, try and shed some light on the other side of how things work and get tossed to the dogs eh? Firstly, I am not Richard Brennan. I did, however, get a nice chuckle out of that. I was just trying to show you the other side. Not all settlement companies are created equal, thats the point I was trying to make. On a side note, accounts do not have to be charged off all the time to settle. Thats a misconcption. Generally the accounts charge off because consumers can't raise the necessary funds to settle before that time period. Just an FYI. In any event, as I've said before, I can't speak for Richard Brennan, but when one company gets singled out like this it tars the rest of us with the same brush. I just thought you guys would like some information from someone else in the industry, but it appears that most of you just want to smear Brennan. I won't make the mistake of trying to educate you guys anymore, you obviously know it all already.

He's most correct. A better definition is:

From the American Association for Paralegal Education (AAfPE): "Paralegals perform substantive and procedural legal work as authorized by law, which work, in the absence of the paralegal, would be performed by an attorney. Paralegals have knowledge of the law gained through education, or education and work experience, which qualifies them to perform legal work. Paralegals adhere to recognized ethical standards and rules of professional responsibility."

Hope this helps.

Is all debt settlement legal work? To my knowledge, bankruptcy attorneys transitioned into debt settlement some time in the 90s (or before) to offer more alternatives to their clients. That certainly is legal work, but what about a credit counseling company that transitions into debt settlement? Dick Brennan's office collects money from consumers and pays off their accounts months or years down the road. Is it really legal work or is it a "lawyer" that has devised a clever business plan to earn money? You do not have to be a law office to perform debt settlement, so what does Dick Brennan do differently that earns his reps the title "paralegal"? And since his reps hold themselves out as paralegals, are there penalties for unethical behavior? Probably not criminal penalties, but what about civil? Are they liable for breach of their paralegal duties ???????? ie ethical behavior? I also wonder what the Bar Association would say.

Let's stay on track here. The IRS revoked Credicure's 501c3 in 2005 because they did not believe the company was nonprofit. With the 501c3 Credicure did not have to pay taxes, but without it they did. Richard's tax lien may have come from that. The IRS may have had information that he was part owner, and they may have assessed a portion of the tax liability to Richard. If this is true, at a 35% corporate tax rate, Richard was allocated a profit of $550K ???????? meaning that's what was left over after paying employees, rent, insurance, etc. etc. Jeff Formulak was the primary owner so it's highly likely his assessment was as high or higher. For a very small company, Credicure was earning an enormous amount of money off of the backs of clients struggling to clear their debt. Is there any wonder why they lost the 501c3? Can we now see why they moved their operations into an industry that is not regulated?

For all the consumers complaining in this blog, your next step should be to notify the FTC. Go online and file a complaint. If they hear from enough of you, they'll file suit against Dick????????s law firm and work to get your money back. Be sure to mention that Jeff Formulak and Richard Brennan's history began with AmeriDebt and you might get a quicker response.

Clients considering debt settlement may want to check out the website for the International Association of Professional Debt Arbitrators at iapda.org. The IAPDA offer professional training and certification for the debt settlement industry, and one of their pages lists and rates their member organizations. You can also link to the Code of Ethics that members are expected to adhere to, which includes: 1)"Safeguarding the security of their clients' monies" and 2) "Always protect the interest of clients."

There is also an excellent article written by Denise Hall called "Shocking Facts ???????? What debt settlement companies Don????????t Tell You" that is a must-read for anyone considering debt settlement. I found it by googling "debt settlement." Before signing on with anyone, you should read this article so you know how to avoid

So I can hire people without any formal legal training or any real experience in the legal profession and refer to them as paralegals??? If you read the post from former employees, it would seem that most, if not all, of this employees are just low level customer service agents or former debt collectors. It would look like that by providing overly exaggerated titles, unsuspecting people like I was, would more willingly trust this guy. I mean why not...since everyone on staff are lawyers and paralegals anyway...right?? These inaccurate and misleading titles he hands out are nothing more than another part of this scam.

When I was told that only paralegals and lawyers would handle my account, I felt more at ease since paralegals and lawyers are subjected to the Bar association standards - at least that is what his employees lead me to believe.

You're making a larger deal of these paralegals than is warranted. I went to a 4 yr University, got a Bachelors Degree in history, yes history, and was hired as a paralegal for a law firm. Employers typically will give you some preference if you have a 4 yr degree (no matter what field) or a two year paralegal certification. However, I work with people who have GEDs, but their grasp of the laws and research abilities are beyond that some lawyers I have worked with. Also, if some of these paralegals are former debt collectors, wouldn't it make sense to use them? Collectors know what the laws governing collection and credit are. I'd think they'd be more adept at dealing with other collectors. So explain to me how having ex-debt collectors working in the field of debt settlement is a bad thing? Also, Bottomline, you can't hire anyone and call them a paralegal if they're not doing law work and reporting to an attorney at some level. It seems to me that a) theres nothing wrong with Brennan referring to his workers as "paralegals", if indeed they are performing work under a lawyer, and b) has this board degenerated into going after the employees now? What's next?

Can Anyone give me a legit website to get my credit score? I find myself not trusting anyone as far as my information and I really don't feel like being scammed again.

Guest, I believe the site is annualcreditreports.com, to get your free credit report. You can get a report from all three bureaus once a year. Let me know if this is the wrong one!!..KAren

Thanks for the advice. Sorry I interrupted all the "discussions". I was screwed over by Richard Brennan and I was trying to find out how messed up my credit score was now that Richard has rendered his services. It's not looking so good. Thanks again Mr. Brennan.

annualcreditreport.com won't give you your score. It will tell you what accounts you have, and what their status is, but no score. You have to pay for that (no suprise there)

I am satisfied with the services I got from the Law Offices of Richard Brennan. Based on my debt amount, and the amount I was paying, they quoted me a 24 month payment plan. They told me they'd settle for 40%, but since they were able to settle one of my accounts for 20%, and another for 25%, I was actually done in 19 months. And the best part? I actually got a call from their office saying that even after their fees i had overpaid, they wanted to know if my address was still current so they could send me a check for the amount overpaid! I don't regret my decision at all.

I find that so incredibly hard to believe! I guess after dealing with Richard Brennan's office I have a dwindling trust of what people say. If that is true, SusieQ, than consider yourself VERY lucky. I still have my doubts. Sounds like an advertisement for Richard Brennan to me.

I think susieQ got my "refund" that I was promised over and over again but still have never recieved even after Brennan himself told me it was mailed. That was over 14 months ago!!!!

SusieQ - IF you actually recieve this money can you please post the return mailing address on the envelope or let us know what bank the money was sent from. Can you do that for us?

There are many of us who are desparate find and contact these guys to get our money back. They seem to change addresses/phone #'s/company name/ bank accounts/websites/email addresses and cell phones like most of us change our pants.

Can anyone tell me which law (Chapter, section, and subsection, not just some wise ass comments) that requires me to pay income tax?

lets say that you found your law that says you donkt have to pay. How would you not pay, how can you do that unless you control how your paycheck is put toghter?

I'd just set my W-4 forms to take out not taxes.

I donkt think it is that easy, or maybe everyone would be doing it.

But if there is no actual law saying I have to pay taxes, then it would be that easy. I've found laws that describe what happens if I don't pay, but those are punishment laws, not actually laws that say I have to. Its like if there is a law saying "if you break the law saying you can't jaywalk then you will be fined $100" but there isn't an actual law saying "its illegal to jay walk" on the books. How does that work? any help?

Why do you park on a driveway buy yet drive on a parkway? I think your dead beat tax questions are better suited for another forum and are a poorly veiled attempt to distract from the true purpose of this forum.

By the way your question is base on a belief by one idiot who wrote a book, gave thousands of seminars, made millions from people like you and oh yes was sentence to jail as a tax cheat.

If you want to stop paying in to "the system" no one will care but at least have the courtesy to stop driving on public roads, sending your kids to public schools, using 911, going to the libary, flushing your toliet, drinking water from the facet, and anything else tax dollars are used to support.

When it snows who plows the streets? When it floods who comes to help? Who pays for the hundreds of thousands of our armed forces stationed around the world that are there so you can do the things you do and have the freedoms you take for granted?

Actually, excise and sales taxes help pay alot of that stuff as well. The government has more revenue than just income tax

I was asking because I have tax problems that the Law Offices of Richard Brennan told me they could help with. But after talking with some people I decided I'd see whether or not I actually should have to pay this or not before trying to hire someone to do it.

They have stolen several thousands of dollars from me. I have been paying them $406/mo for a year and before that, I paid Credicure $220/mo for a year and a half. Richard A. Brennan' s , now Frederick Law Group will not return my calls. I have been calling them daily for a week now because I asked them to email me numbers: how much money was in my account, the payoff amount and which creditors have settled. They told me that day a week ago that they would get me those numbers. I am still waiting. They told me they settled with one creditor and I called them to find out it was a lie. The crooks I have dealt with from there include the following: Coya Sproto, Mary Schanno, Greg Pierce and Dustin Harkness to name a few. Please don't make the same mistake I have made. I now have judgements against me that will stay on my credit for 7 years and my once good credit score has plummeted thanks to them. Now, after research I am finding that even legit debt consolidation agencies are bad for most in the long run. Don't do it!!!

Crooks eh? So which one of those four took your money?

Yeah, which one of those guys took your money?

its like the one guy said, ran out of people to blame so now they're moving on to the employees

Why don't you guys back off. Desperateintampa was just stating their case. Your acting like a bunch of bullies. Maybe you should go on a chat room or something to vent out your childish behaviour. This is a forum for grievances and advice. The people who have used this forum have done so because they need help and are helping others. You all sound like your commenting some web video on you tube. Let's keep it this forum as adult as possible.

Seems to me like anyone who disagrees with the denouncers of Brennan instantly is a "bad guy"...anyone else notice a pattern?

There's definately a side that most people here lean to, I agree. It's just a pity that they can't listen to an alternative view without resorting to name calling.

Because there have been so many negative remarks and posts about Mr. Brennan (including myself taking a stab at him on this forum), I felt it only fair to come back with this post. I contacted Richard Brennan about a month ago by calling his cell phone and explained my dissatisfaction with his debt management program that I had joined in February of 2006 and had subsequently several thousand dollars. We were able to work out an amicable settlement and today I got a check from him.

I am so thankful this whole experience is behind me now and I can move forward with getting my finances manageable where I don't have to turn to someone else for assistance. Life is our teacher.

Sherry Wilburn
Alabama

If you're sooo honorable why don't you give me a phone number or a real web site so I can talk to a real person.

I happen to know the employees referred to in one of the previous blogs. One must remember that the paralegals and other employees are only doing what they are told. Unfortunately, we cannot all choose to work for someone that is honest and trustworthy. Sometimes they stay because they don't have an alternative. I can assure you that all four of those people are good people and I would vouch for them all. I know that Coya and Mary are no longer with the company, and they were dismissed quite unfairly when Mr. Brennan claimed he could not afford to continue paying them. Dustin is one of a kind and I would hire him to work for me in a second. He is getting educated and hopefully will become an excellant attorney. He has certainly learned what not to do since working with Mr. Brennan. And Greg, I understand his circumstances, and if he and Dustin had control of what happened at that company and could make the decisions, you would all be better off. I happen to know they have done a lot of work only for Mr. Brennan to drop the ball in the end. I understand why everyone would want to find others to blame. It is very frustrating to be in debt. I wish I had all of the answers. The employees and past employees that worked for Mr. Brennan have tried to resolve most issues only to have Mr. Brennan ruin the opportunities available. What he has done is force good people to leave that could have done well for all of you. It is such a shame. Keep your head up. And to all that have had the situations resolved, indeed you are fortunate. But remember, it wasn't Mr. Brennan solving your problems, it was the hard working Paralegals that have way too much on their plates.

Can anyone tell me a reputable company to deal with to get a couple of credit cards and several pay day loans paid under a debt management program??

SBM- if you register, it's free, someone from your area will contact you rearding your debt, and you are free to choose one or not.

Can you tell us what state you are in, who the pdls are with and the cc?

There is also a Do it Youself under the Ranking Chart Tab at the top of the screen.

Before you go with any company check them out with the BBB, and also check with your state AG and see if they have a list of consolidation companies..Good Luck..Keep us posted..KAren :D