FAQ

Q: How Does the debt management program Work?

Q: How Much Does the Debt Management Program Cost?

Q: Is This Debt consolidation Program Right For Me?

Q: What is a Debt Management Program?

Q: How is a Debt Management Program going to help me?

Q: Is this a loan?

Q: Shouldn’t I try to get a loan?

Q: What is your interest rate?

Q: What type of debt can I include?

Q: What is unsecured debt?

Q: Can I consolidate business credit cards?

Q: Will going through credit counseling or the debt management program affect my credit?

Q: What effect will this have on my credit when buying a house or car?

Q: Can I still use my credit cards?

Q: Will a counselor also help me with my overall monthly budget?

Q: Do I have to own a home to enroll?

Q: Will I continue to get collection letters and telephone calls from my creditors?

Q: Will I receive statements showing payments to my creditors?

Q: How do I enroll?

Q: How do you stay in business?

Q: Can I pay off my accounts sooner than what is set up in the debt management program?

Q: Is CESI a Legitimate Company?

Q: What is CareOne?

Q: What is a settlement?

Q: How will my creditors know I have joined a Debt Management Program?

Q: Will the Collection calls stop?

Q: When should I expect to see benefits on my creditor statements?

Q: Can I change my debit payment date?

Q: Will I receive a monthly statement?

Q: What should I do if I am able to increase my monthly payment or payoff a creditor balance?

Q: What happens if I didn’t include all of my credit cards on the debt consolidation program with CESI?

Q: How can I reach you once I’m enrolled on the debt management program?

Q: How to choose the right Credit Counseling Agency?

Q: What Can I Expect when I Call a Credit Counselor?

Q: How to Succeed on a Debt Management Program?

Q: When is my payment due?


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