Description of Products & Services

The following services are available to all consumers free of charge whether they enter into a Debt Management/Adjustment agreement or not:

  • Financial/Debt Issue Counseling – a comprehensive counseling session designed to address one’s specific debt issues and offer valuable solutions. Includes an action plan along with financial education tailored to the consumer’s unique situation.
  • Mortgage Default and Delinquency Counseling
  • Rental Delinquency Counseling
  • Credit Report Review

The following services are offered exclusively to consumers who enter into a Debt Management/Adjustment agreement:

  • Debt Management Plan Set-up fee: $0-$50
  • Debt Management Plan Monthly Service Fee: Fee structures are contingent on state policy. GreenPath will not charge more than $75 a monthly for debt management services. If you have questions on your specific fee please speak with a GreenPath employee.
  • Progress Review: $0
  • Exit Review: $0
  • Close fee: $0

Other products and services:

The following products and services are offered to consumers as allowed by state law whether they enter into a Debt Management agreement or not. None of these products or services are required as part of a Debt Management Program. These products and services are completely voluntary and are purchased at the consumer’s sole discretion. Typically, fees are collected at the time of service. Services will not be denied based on undue hardship creating an inability to pay.

  • Community Education Programs and Presentations: $0
  • Bankruptcy Pre-Filing Briefing: $0-$50
    This program is approved by the Executive Office for U.S. Trustees and meets the requirements of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. A pre-filing briefing is required prior to filing for bankruptcy.
  • Reverse Mortgage Counseling: $0-$199
    GreenPath Certified Housing Counselors provide seniors with information on Home Equity Conversion Mortgages (HECM) and Proprietary Reverse Mortgage products. Information is presented by HECM certified counselors in accordance with the counseling protocol published by HUD. The objective of the counseling sessions is for clients to receive the information they need to make an informed decision while also avoiding predatory lending practices. Upon completion, GreenPath generates a certificate for the requested Reverse Mortgage product. Certificates are not interchangeable.
  • Pre-Purchase Counseling: $0-$150
    GreenPath Certified Housing Counselors assist consumers on an individualized basis to put a home buying plan into action. Pre-Purchase counseling includes reviewing basic information about a consumer’s current financial situation, obtaining and reviewing their current credit report, establishing a housing affordability range for a home purchase price or mortgage limit, and reviewing educational materials on topics such as using a realtor, selecting and inspecting a home, financing a home through the mortgage process, preparing to move, and life as a homeowner.
  • Web-based Homebuyer Education Courses:
    GreenPath offers four (4) unique courses for our clients that wish to access homebuyer education via a web-based (online) delivery format. Clients are referred to these courses by our housing counselors, and clients can conveniently access them from our website. Both homebuyer education courses are widely accepted for many of the local and national lending programs available to homebuyers.

    1. eHome Money Homebuyer Education – $99
    2. eHome Money Management Course – $50
    3. eHome Foreclosure Homeowner Education – $0
    4. Framework Homebuyer Education Course: $75
  • Student Loan Counseling: $0
    GreenPath offers student loan counseling to clients in need of additional assistance with student loans. These personalized services assist clients by reviewing loan terms, exploring repayment options, calculating repayment amounts, and contacting servicer(s) for guidance.