I used this Richard Brennan guy as debt relief management and he NEVER send one red cent to my creditors. Instead he just kept my money. I put a stop payment thru my bank a year ago and now just this month he has debited my account even though I put a stop through my bank. I am going to fight it with my bank. PLEASE-I hope that anyone who sees this knows that this guy is a FRAUD. He never returns phone calls and takes your money and you will never hear from him.