GreenPath Financial Wellness

GreenPath Financial Wellness was the best. They said the right things, about how they would work with me. I called them and told them my credit card debt. They got back to me and they made out a payment plan. First time, I paid $145 a month, and I upped it to $180. I would always log in and check my account. They set me up with an ID and the password. It's easy to log in and log out. I scroll down on my credit cards, clicked on that, show me what my balance was. And it also showed how many more months I have to pay on it. And it kept updated. Sometimes, I got logged out so I had to call them. And they would reset my password and gave me a pin at the log in. I also called them if I had questions. And they would tell me, "This is right." The rep kept me updated on everything. GreenPath helped me get everything paid off and I'm out of debt.

I was in a tough spot with some credit cards a few years ago and I called the 800 number for Chase, which was one of our credit cards. I was going through all the menu options and one of the choices was, “If you need consumer credit counseling, click here." That gave a choice of three different places and one of them was GreenPath. I randomly chose that one.

GreenPath led me to believe that they were going to be paying off one credit card at a time then applying the money to pay off the next credit card. That was not what they did. What they did was pay off all of the credit cards within the amount that would pay them off all at the same time. If they had done the former, then my credit score would have slowly been going up because I would’ve been paying off debt. But because they did it all at once, my credit score didn't change at all during my time with them. I wasn't thrilled with that. I was glad I was getting my cards paid off but I wasn't crazy about that method they used.

GreenPath’s program was the most outstanding thing I have ever been through. It is super simple to set up and then just forget about it and let it run in the background. There's a website that keeps you informed of every single penny and wherever every single penny goes, you never have a question where a dollar is going and when something's not paid off. It is awesome. There was one rep who set it up but every time you call, anybody that you get is just as knowledgeable. The website is designed by somebody that's shockingly good at it because you hardly ever have questions. You can just watch what's happening. Over the years, I may have had to call three times with a question about terms, like one of the credit cards being paid off. You always get a thing that tells you to check and make sure it's 0 because if cents could be left, they can charge you late fees of cents.

The program with GreenPath went well and I was able to finish it. It automatically came out of my check every pay period and every once in a while, I get an update or a call that they were changing something, or one account had closed out. The way they contact was nice and it was a good experience. When I started with them a few years ago, it was simple. They were able to take my mortgage credit report and then, they sent us all the forms that we needed to sign to give them clearance to pause the account or get whatever access they needed. There were a couple of times where I wished that as the accounts closed, maybe there was the option to keep the same timeline but reduce the amount being taken out each pay. But it made sense to keep it going and finish it out as soon as possible.

There was absolutely no personal outreach. Every time I called, which was many times, I got a different person. Most of the phone operators were in a hurry to get things done, and not one of them ever followed up or reached out again! I don’t remember anyone’s name, including the very first person who picked up the phone on me. And she told me, five years ago, that she would be my “primary,” whatever that means. No information was ever provided, except what was absolutely necessary. AND info about my balances was always WRONG! You never check with the credit card companies; that was always up to me. The experience never exceeded whatever was required to get the job done!

We were very skeptical at first working with a debt consolidation company. Now completing our 5 year plan paying off our debt is an amazing accomplishment. Working with the Greenpath team was always professional and they were very helpful through our time working together. If you need help to create a plan to pay down some debt and save money over time I highly recommend Greenpath.

This is the second time I've needed to use this debt counseling service and I must say I have been completely satisfied both times. The counselors make the procedures easy to understand and they are so nice to work with. I can't think of a better way to erase debt over time...When all is paid off, there's a strong feeling of accomplishment that goes with it. I highly recommend this service.

The team at Greenpath was always readily available, courteous, and extremely helpful with all types of questions and concerns that I had with my account. There was regularly someone available with little wait time, the online chat feature was quick to deal with issues, and the tracking tools for my debt management plan helped me stay on track.

I'm thankful for the experience and glad to have it completed. It was part of a whole project that we put together to get our integrity back in line. It took about three years altogether, but paid off about $40,000 to $60,000 worth of stuff. It was a good experience.