GreenPath Debt Solutions

I was referred to Green Path from the Get Hope Hardest Hit Indiana organization and after jumping through all their hoops, I never heard a word from them and never received any help including encouragement. These people are a complete farce and will only get your hopes up. When I contacted the Get Hope organization, they told me Green Path was not part of their program. Do not waste you time or expectations with these people, as you will only get deeper in trouble. Luckily, I belonged to a credit union who were willing to help me keep my house. Do not use these people!

Forms need to be more customer specific, and there shouldn't be a time required per module. When completed, it should allow you to move to the next module. I spent 10 minutes on every module, sitting around, waiting for the next part of their required test.

We had recently come to an agreement with Golden Dude (CCCS) who merged with Green Path Debt Solutions recently. Our experience with CCCS was kind of shaky at first but we were able to hammer out most of the kinks. We had to sign a contract not once but twice. About a month after starting with them, we were advised verbally that they were merging with another company whose name was never mentioned.

Our first month with them has currently not set my expectations very high. The acquiring company Green Path Debt Solutions will not accept any accountability regarding the contractual obligations we had agreed to with CCCS. My wife had called two weeks in advance to confirm that our payments would be going out as stated within our contractual agreement with CCCS. The representative had advised my wife that "yes" everything was slated as a "GO" for the payment due date. She even went as far as to state not to worry and that the new system with Green Path was better and faster than what CCCS had to offer.

Low and behold, two weeks after that conversation our payments had never been sent to the creditors. My wife got on the phone to Green Path and asked why our payments had not been submitted. They stated that they did not know why and that there was possibly an issue with their "faster" system. The call got escalated nonetheless.

The thing that upset us the most was that they attempted to put the onus back onto us and that our payment due date to them might be changed in order to get the payments to the creditors on time. We advised the representative that we should not have to make any more adjustments since we had already agreed to the dates that the payment(s) would need to get to them in order for the payments to post on time. My wife refused at this point and asked to speak with a manager and that we wanted to file a grievance. She had also made the request to the representative that we would want letters sent to the creditors that Green Path would be the reason our payments would post almost a week late. The representative stated that the manager would have to deal with this.

Well Green Path's manager was pretty prompt in returning our call and request for grievance. She called us the very next morning. Again, the company did not want to take any accountability for the situation and then again recommended to change the payment due day. My wife had asked the manager why the representative had advised that our payment was received and everything was a GO to remit to the creditors.

The manager's response to this was possibly lack of training on the new system. We asked why they would say that if they were not sure. The manager stated that she could not answer that. Again, this just goes to show how unaccountable this company is. I asked the manager about the contract we had signed. She said of course with the merger they were going to have unexpected system issues. I had made mention that we were never formally aware that the merger had taken place. She stated to us that a notice with expectations was sent out three weeks ago to all their newly acquired clients from CCCS. We never received this information.

Basically my wife and I have jumped through their hoops. We rang their bells and whistled their whistles for both companies. Green Path Debt solutions are expecting their newly acquired clients to comply with their guidelines that were never set forth with the newly acquired client to begin with let alone are not accepting any responsibility for the shortcomings of their botched merger. I wanted to post this to advise any possible future North Texas clients what you are getting yourself into. A very unprofessional experience with a company that is unwilling to accept any responsibility for the shortcomings of their botched merger.

On 7/15, I contacted Chase bank regarding my credit card. I wanted to know why the minimum payment was so high. The balance is $4620 and payment was $231.00, which is 5%. They said that there was nothing they could do for me, but would link me to GreenPath. I talked to a rep, she emailed me forms and I filled them out. When I decided not to go with the company, I thought everything was back to normal. Today 7/28, I got my mail. 2 letters from Chase Bank stating that their decision after reviewing my accounts, that one CC I have had for 15+ years for credit line of $27,000 has been closed and a CC with credit line of $7000 has been reduced to $5800. I feel that if I never talked to GreenPath, this would never have happened. How could Chase receive this info if it was not for GreenPath?

He wound up describing to me how hopeless my situation was and how the bank involved won't even talk about negotiating and then asked if I would like to hear about bankruptcy! We were on the speakerphone when the "couselor" started talking about our parenting skills when my wife started screaming at the guy and I had to cut the conversation short.

I was so angry that I called the bank back to file a complaint. I wound up talking to another agent at the bank who negotiated with me on the spot a new interest rate of 4.9%! Our payments and terms were hugely improved and I'm back in the saddle. I think it's time for a class action suit!