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Credit Card Debt Consolidation
Credit card debt consolidation is the process of combining all of your unsecured debts such as credit cards, student loans, or other personal loans into one monthly payment. This allows you to focus on paying off your debt instead of overdue bills, late fees and deadlines or harassing calls from creditors.
While not always as easy as 1-2-3, gaining control of your finances through a credit card debt reduction / consolidation does not have to be stressful. At CESI credit card debt consolidation company our certified counselors are committed to empowering and inspiring you to become debt free, and equipping you with the financial tools and educational programs that will enable you to continue making smart money management decisions after you have completed your debt reduction / credit card consolidation.
At CESI debt reduction and/or credit card consolidation can be achieved in just 4 steps:
Step 1: Gather your bills and contact CESI for a free consultation.
A certified credit counselor will assess your financial situation to determine your needs. They will determine the types of debts you have, as well as how much you owe and the steps you may take for credit card debt reduction or consolidation.
Step 2: Complete a budget analysis
Your counselor will ask questions to determine your debt-to-income ratio and perform a budget analysis to get a clear picture of your income vs. your debt load. Your counselor will create a net worth analysis and provide financial education.
Step 3: Develop a Plan
Upon completion of the budget analysis your counselor can assess your debts, expenditures and income, and will work with you to develop a plan to get you back on track.
Some recommendations by counselors might include:
- Taking on a second job
- Cutting back on unnecessary expenses
- Restructuring your debt
- Our debt management program
Step 4: Recommendation of Debt Management Program
After assessing your financial situation, your counselor may recommend a Debt Management Program for debt reduction and credit card consolidation. This can get you back on track with creditors and out of debt in a timely manner.
Not everyone needs our debt management program, but it could be your answer for credit card debt relief. Calling us is your first step. We’re standing by, and ready to help, so call CESI today at 1-866-484-5373.
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