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  Frequently Asked Questions | Ask the Expert

 

Do you have a question about your financial situation or the options available to you? We have posted answers to some of the most common questions below. Just click on a specific question to see the answer. If you don't find what you're looking for, click the green button below to submit your question. Your answer may be posted later in this section, or you may receive a private e-mail from us.


BANKRUPTCY

I'm strongly considering filing for bankruptcy. Can you give me any advice?

I filed for Chapter 7 bankruptcy about four years ago. Now I feel like it's a black cloud hanging over my head because I'm having a lot of trouble getting credit. How long will the bankruptcy information stay on my credit report?

Two years ago I filed Chapter 13. I'm regretting it now, because I don't think I will be able to buy a home. Is there anything I can do to improve my chances?
CLIENT INFORMATION

How do I go about getting a password, etc needed to review my information online?
CREDIT COUNSELING

Is there a fee for your debt management program? Other companies say their services are free.

There are lots of credit counseling companies out there. Why should I choose GreenPath?

What is the difference between credit counseling and debt consolidation? The ads all sound similar.
CREDIT

How long does negative credit information stay on my credit report? Is there any way to remove it?

How will your debt management program affect my credit report?

I am going through a divorce right now. Am I still responsible for my wife's accounts?

I was recently turned down for a car loan. Can your company help improve my credit rating?

My wife co-signed for 2 credit cards with her daughter, who has made several late payments. How can she get her name off of these two cards so our credit can be back to normal.
FORECLOSURE

I have not been able to pay my mortgage due to illness and now the mortgage company has filed for foreclosure. I entered into a forbearance agreement with them, submitted all of the paperwork along with a payment. The forbearance agreement was broken and foreclosure is immanent (sic). Is chapter l3 bankruptcy my only option?

My lender has informed me that my house will soon be up for foreclosure. Due to job lay offs, my husband and I have not been able to submit full payment on our mortgage. I don't know what to do. I do NOT want to lose my new home if at all possible.
LOANS

What is your opinion of home equity loans to pay off credit card debt?
MORTGAGE

We are senior citizens and financially over extended. Is it possible to attain a low-rate loan?

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