The number of people in US with substantial credit card debt has increased significantly. Everyone could encounter being in debt situation during one’s life time. CESI offers innovate and effective Credit card debt counseling in a confidential and individualize method. We have helped people from all walks of life to overcome their financial problems and paid off credit card debts, and so they could avoid bankruptcy. If you are concerned about your financial future because of outstanding unsecured debt, you could benefit from our service.

Consumer Credit Protection

Recently, a federal appeals court addressed the issue of consumer complaints regarding inaccuracies in their credit files. Read more...

Credit Card Issuers See Big Profits in Tiny Purchases

Having hooked the American consumer on the use of plastic for large purchases and then on everyday purchases, card issuers are now after the tiny purchases. Read more...

Credit Counseling Agencies Are Proven Friends of Consumers

Most Americans are familiar with the statistics regarding personal or household debt, or are, at least, aware that consumer household debt has become a serious problem. Read more...

Credit Repair - You Are the Boss

Most of the consumers who have elected to become clients of the CESI Debt Management Program (or the Clarion DMP/or the DMG DMP) are sensitive and concerned about their credit rating. Read more...

Free Credit Reports Are Rolling Your Way

A recent amendment to the federal Fair Credit Reporting Act added the requirement that each of the three nationwide consumer credit reporting companies to furnish a free copy of your credit report, at least once every twelve months. Read more...

How Credit Scores Get Into Your Pocketbook (Wallet)

I want to capture your attention long enough to have you read this article. They say the way to a person’s attention is through their wallet so here it goes. Read more...

Interest Rates Increases Raise Monthly Payments

Consumers in the U.S. increased their revolving credit debt load during 2004. Most of the increase was due to increased credit card debt. Read more...

Minimum Monthly Payments Also Rise

In addition to the impact of rising interest rates forcing monthly payments higher, another recent development will push minimum monthly payments up is a growing concern on the part of bank regulators that a minimum payment of 2 percent of the outstanding principal debt on credit card accounts is not adequate. Read more...

Recovering from Personal Loss from Storms

The dramatic losses experienced by millions of Americans from Katrina, a record setting hurricane in terms of human and property loss, provides a critical time to examine aids to recovery. Read more...

Trap Them Young and Keep Them Paying

Research shows that almost two-thirds or two out of every three young Americans that finished their high school studies this year will go on to some form of college or university program. Read more...