GreenPath Financial Wellness

GreenPath Financial Wellness

 4.7/5 (63 reviews)
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GreenPath Financial Wellness

About GreenPath Financial Wellness

GreenPath Financial Wellness is a nonprofit that offers debt relief services, including counseling and debt management plans. It provides customized financial wellness support and nonprofit guidance at a speed that works for you.

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Top GreenPath Financial Wellness Reviews

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Rated with 5 stars
Verified

Joining Greenpath helped me to feel some relief when I realized I could not keep up with my credit card payments. The tone of the whole service is very positive, which helped me e...

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Rated with 5 stars
Verified

I cannot say thank you enough for not being a bunch of scammers!! This company is true to every word and will go to bat for you against high interest, funds sucking companies!... ...

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What is GreenPath?

GreenPath is a national nonprofit that offers financial support for individuals and families. It specializes in debt, foreclosure, bankruptcy and credit issues. The company uses a people-centered approach to provide creative, individualized counseling and financial plans. Its method is based in empathy training and behavioral economics, and the company states its goal is to provide education, transparency and compassion for its clients.

How does GreenPath work?

GreenPath first meets with you for an in-person or over-the-phone confidential financial counseling session. Then, its certified counselors work to create a budget based on your income statements, expenses, habits and daily life. GreenPath creates an individualized plan for your financial goals — if you require more specific support, like a debt management plan, you might have to pay an additional monthly fee.

GreenPath costs

As a nonprofit, GreenPath offers most of its services, including credit, rental, debt and general financial counseling, at no cost, but some of its more specialized services come with fees. Reverse mortgage counseling costs $199, prepurchase counseling is $150, and debt management plans run anywhere from $0 to $75 per month. Some banks offer services from GreenPath for free, so make sure to check with your financial institution before paying for services from the company.

GreenPath Financial Wellness FAQ

Does GreenPath hurt your credit?
It depends on your situation. If you work on a debt management plan with GreenPath, you might see a dip in your credit score when you close a credit line, but GreenPath doesn’t contact credit bureaus.
Where is GreenPath available?
The company provides services by phone nationwide and has more than 50 physical locations throughout the U.S.
Where is GreenPath located?
Its headquarters are in Farmington Hills, Michigan, and it has more than 50 U.S. locations.

Is GreenPath legit?

As a nonprofit, GreenPath has a reputable name in the financial wellness industry. Because so many of its services are free or available for a low cost, GreenPath could be a great place to start if you need financial health support. There’s only so much this type of company can do, though; it’s important to understand the purpose of debt counseling before starting service.

GreenPath Financial Wellness Reviews

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How do I know I can trust these reviews about GreenPath Financial Wellness?
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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 23, 2023

We had a plan for five years with GreenPath but I finished it in four. I had initial contact with them when they were gathering my information and working out a program for me. Other than that, it was all electronic. I never encountered any problems where I would have to reach out back to them. Everything was clear, smooth, and straightforward.

I was drowning in debt. This all happened as COVID happened and everything was shut down. Hours were cut back at work. I wasn't making the same amount of money. Neither was my husband. It was a big weight off our shoulders because we no longer were accruing any APR. They close down your account, but they work with what you have and what you can afford. That was a big stress reliever. Usually, when you have a high-interest credit card, most of it goes to interest and very little goes to your actual balance. It feels like you're never leaving that hole. So, when all that happened, it was a turnaround. I could start seeing the light at the end of the tunnel. It was great.

Their customer support was also great. They had a newsletter. They also had periodic emails that they would send out, reaching out, saying like, “We're here for you if you have ever have any questions or concerns about your program.” It was really nice. I also like the fact that it's a nonprofit. They're doing it to help the consumer. It was great to be a part of the program where they could help me, but at the same time, whatever small fee they charge goes towards helping someone else as needed. So, it was nice to come full circle.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 19, 2023

    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.

    I had to call and talk to one of their people on the phone. They pull the credit report. We also went over verbally what the different debts were and things that I had. They came up with a biweekly payment plan and we went from there. They immediately went and got all the agreements and everything set up. I was approved right away because it was not like a loan or anything like that. They're just calling your existing creditors and negotiating with them to lower your rates then getting all your creditors to agree to a payment plan.

    Customer service was quite professional and my experience was fine. Once the payment plan was set up, I didn't have any need to interact with them on a regular basis. I just made my payment every two weeks and I checked my balances through their website. I called GreenPath mid-January and within two to three weeks, the collection calls from the creditors all stopped. I had begun my payment plan through them. That was the biggest impact to my life because they renegotiated everything with all the creditors. I could finally take a breath.

    There was also getting the rate lowered. I had at least one car that was 23% and GreenPath got it negotiated to 0% for an interest rate. I still had to pay back all the principal. No balances were forgiven or reduced but just the rates being lowered enabled me to make some headway again. If you have a need for this type of a service, I would recommend GreenPath.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 16, 2023

    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.

    They didn't report anything to me as to how things were progressing. I had to call them. They also told me it would be a five-year program. But I found out it was going to be a six-year program. I've been looking forward to getting it all paid off in five years. But I guess I wasn't paying them quite enough to meet my balances. They were taking $50 a month for their services, and I was paying them $640 a month. So $590 was going to build. I didn't mind doing that. If I'd have had the discipline to do it myself, I'd have saved myself $50 a month, which isn't pocket change. But the program has been a success for me. I was with the program four years and paid off 80% of my debt in that time when I was able to not go into further debt. I was pleased with that. Would I do it again? Yes. At the same time, I might take a different route, save myself the $50, and figure out how to get the payments made and have the discipline to do that.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 5, 2022

    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.

    You can run credit cards up and you're screwed forever without somebody on your side that can negotiate. But by working with GreenPath, most of them went to very low, like 1% and I finished the program in four and three months. It was a five-year program and I paid $600 every two weeks. I've recommended GreenPath. I know six people that went on the program because of me and they were just as shocked and amazed. Some people are just not able to handle it. You've got to stick with it. $1,200 a month is a lot of money but you know that if you do it, it will finally get paid off.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 14, 2022

    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.

    The most beneficial thing about doing this process is letting things get paid off and not having to keep track of all the different payments. We had a number of different accounts go into it so instead of having to check on each one and figure out when we were supposed to pay, what and how much, it was all done for us. I've recommended GreenPath to some friends who are in the same boat. Any fees that are charged are negligible compared to missed payment fees or the interest.

    GreenPath Financial Wellness response

    Hi Carlisle,

    Thank you for leaving such a detailed review. We love knowing we made your goal of becoming debt free easier for you. You did all the hard work and we offered the support to keep things moving. Wishing you all the best!

    Linda Murphy

    4 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 15, 2023

    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.

    If I had to miss a payment, I would call and ask them if I could make it next month, and they would say yes. So, it gave me an extra month to get it paid off. I would have it paid off in 62 months. But they upped it to 65 months. That's how I got it paid off. I've been telling my brother about GreenPath. I would have him call them and set up a plan, and get his big debt paid off.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 15, 2023

    It was easier to get started with GreenPath. Also, I can log in and look at my progress. But if it has been a year and we want to talk to somebody, they should just let us talk to someone and review things. We might wanna refresh over paying these creditors back and looking at the credit report again. Or just review credit and getting feedback on it. Other than that, it was affordable. So even though I made small payments, I was still able to get things paid off that I may not have paid if I didn't try to give them anything. It's still a good service. I'm happy.

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    Rated with 2 stars
    Verified Reviewer Verified Buyer
    Original review: March 2, 2023

    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!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 2, 2023

    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.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 2, 2023

    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.

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    GreenPath Financial Wellness Company Information

    Company Name:
    GreenPath Financial Wellness
    Year Founded:
    1961
    Address:
    36500 Corporate Dr
    City:
    Farmington Hills
    State/Province:
    MI
    Postal Code:
    48331
    Country:
    United States
    Website:
    www.greenpath.org