Green Tree is a third party debt collector and they are the bottom of the barrel. My second was sold to them from BOA and I was never late either. They bugged me on the first of every month. I got back at them by completely ignoring them and have not paid since haha. Best part is they buy the debt for pennies on the dollar so your "loan" which was paid off the day you signed the note is now owned by a "debt collector" It's possibly the biggest scam EVER! They even sent out a "collector" who put a note on my door! Screw you GT you won't get a dime unless I settle for pennies on the dollar as well! Good credit is a scam, I had high 700's and the scam banks would not even give me a car loan so I just quit paying everything and will be debt free! is it moral? Hell yes, is it moral for these crooks to use fraud to make us slaves for 30 frickin years! I could go on an on