YGRENE is the biggest scam that has been brought on by the home improvement companies.
The debt is added to your property tax and charged monthly in your mortgage which causes your mortgage to go up immensely.
There is no recourse, you can lose the home you got the loan to improve too easily and bankruptcy cannot help you. Only selling the home. The only advantage is that the YGRENE loan is latched to the home not your personal credit so selling the home effectively sells the loan as well.
But buyers should beware as they many not know of the YGRENE bill on their taxes until the property tax is due.