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Home > Reader Questions > Are CareOne, MMI, Clearpoint, or GreenPath Credit Counseling Companies Legit? – Leah

Are CareOne, MMI, Clearpoint, or GreenPath Credit Counseling Companies Legit? – Leah

$26,000 in credit card debt and medical bills piling up since my surgery last year. I lost one income since my surgery and only able to make minimum payment on my credit cards. I have been looking into several credit counseling companies for a week now and I would like to get in a Debt Management Plan.

I would like to know if these four companies are legit and out of the four, do you recommend one more than the other? I know they are all on the BBB but I wanted to hear feedback from people to help me decide who I should go with. The four are Care One, MMI, Clearpoint , and GreenPath. I have heard missed reviews that Care One may not be able to work with a few creditors. If you have experience with any of these companies, I would greatly appreciate all you can share with me about them. Thank you.

This is your chance to be a hero and help out this person by providing your feedback and answer to the question in the comments section below.

Are CareOne, MMI, Clearpoint, or GreenPath Credit Counseling Companies Legit? - Leah by

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  • misty

    About Greenpath, I needed help and went to them for guidance. The receptionist was nice however, the person I talked to was very condescending to me and even had the nerve to argue with me about a payment plan I had set up with a creditor. I was treated very badly and will not go back. I sent a fax the next day to the Manager, 4 days ago and he never answered my fax. I was upset and felt he should educate his staff on how not to treat the customers. I asked for a return e-mail from him. Nothing. Good luck.

  • Jmiller

    good luck

  • Serephim5

    I have gone to Green Path on recommendation from others and after checking with the appropriate govenrment agencies.  We didn’t end up using them, but they were very helpful in laying out our options and showing us the debt management plan would help us or not.

    • Serephim5

      If you have a high AMEX balance them I would go with a DMP that works with them because in my experience you don’t want to get on their bad side.  I posted a questions yesterday involving a really bad situation I’m in with $19,000 in debt (my husband’s actually) with AMEX and am waiting for it to be posted.  I think that you may want to keep that in mind if AMEX has a high balance.  Speaking with AMEX directly and trying to negoptiate with them  was of no help so if there is a DMP that can help you with them that may help you decide.

  • http://twitter.com/DebtChronicles Travis Pizel

    Hey Leah, I’m actually a current customer of CareOne, enrolled in their debt management program (since July of 2009).   You’re doing the right thing in educating yourself before jumping into something.  I agree with Steve in that you need to understand what your options are as far as debt relief programs – understanding what the options are, and how they all work is key to making the decision to enroll in the right program.  Many debt relief providers offer multiple types of programs too.

    If you have any questions as to how a debt management program works, Suzanne’s pointer to their community is a good one.  As a customer I visit it often, supporting others, as well as getting support myself.

    If you have any questions about how a DMP works (positives, negatives, how your life will change, or anything at all), I’d be glad to either have an exchange here, or I’d be happy to give you my email address too.

    Hope this helps, and good luck!

  • http://GetOutOfDebt.org Steve Rhode

    Leah,

    I think any of those companies you mentioned would be able to deliver a debt management plan for you. For me the most important question is if a DMP is the right solution for you.

    Use the free How to Get Out of Debt Calculator to review your options.After that, come back here and comment about what seems to make the most sense and let’s discuss that.Does that sound like a reasonable approach?Steve

    • Ltagatac81

       Steve,

      I did use the debt calculator last week, which helped me decide that a DMP makes the most sense.  After using the calculator,  I started researching into credit counseling companies.  I even called my creditors to see if they could do anything for me first but they all suggested for me to get into a DMP too through one of their non-profit credit counseling companies they refer customers to.  I have talked to all four companies already and discussed what my monthly payment would look like and etc. Now I am having trouble deciding which one out of the four I want to use.  The only problem with Care One is that they don’t work with American Express and that is one card of mine that has a high balance.  If anyone else can please provide more feedback about the four credit counseling companies and please share your experience that would be very helpful to me.  Thank you.

      • http://GetOutOfDebt.org Steve Rhode

        I think that any of those four companies would do an exceptional job of collecting your payment and dispersing it to your creditors.

  • http://Community.CareOneCredit.com Suzanne Coblentz

    Hi Leah,
     
    I think it is great that you are taking your time to really evaluate the different companies offering debt relief solutions. It is equally important to make sure you understand how Debt Management Works and do not feel pressured into any one debt relief plan.  If you are looking to hear from actual customers than I recommend you visit the CareOne community. We have over 1 million members and you will see what life is really like when enrolled in a debt relief plan in our ‘Ask the Community’ forum.  We can also answer any questions you may have about the plans in our “Ask the Expert” forum.  I want to wish you success with your financial goals whichever company you choose. Congratulations on taking this first step and good luck!
     
    Suzanne

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