First of all, I was assured by this firm that a parent plus loan could be handled through their agency... which it turns out federal parent plus loans are exempt from debt collection / consolation programs. After SEVEN months at $346 per month AND NOT ONE CREDITOR BEING paid and countless number of phone calls from creditors at all hours of the day and night, I was told in November of 2006 by Sam, the law student, that I would receive a refund after Thanksgiving of 2006. I have talked to at least three people who assure me they are "adding my name to the refund list" and I will get a check soon, and each time I call and ask to speak to that person they are no longer working there.

The whole ordeal has been the worse experience in my life. Before I signed up with their program I was keeping my head above water on my own until I had to pick up the payments on a parent plus loan because my adult daughter was no longer able to work and pay the loan. That was the ONLY reason I considered a debt management program. Now my credit is ruined because of fraud and misrepresentations this firm made. In addition to losing $2,422 plus $200 fee to Mr. Brennan, my credit is ruined and LATE FEES AND INTEREST ACCUMULATED FOR SEVEN MONTHS BECAUSE THE CREDITORS DIDN'T GET PAID ONE DIME. I EVEN GOT SUED BY ONE CREDITOR.