Credit Counseling

Our credit counseling services are free, confidential and comprehensive. We offer assistance over the phone, online and onsite. Certified credit counselors will assess your personal financial situation and help you with your credit, budgeting and debt to income ratio concerns. Based on the information gathered in the initial assessment, you may be enrolled in our Debt Management Program (DMP) or referred to other resources that can provide the best solution for your situation. We also provide additional support through free educational resources and materials. Continue…

Debt Management Plan

Our Debt Management Plan (DMP) helps you regain control of your finances. The DMP allows you to make one easy affordable monthly payment. You make one payment to us and we pay all of your creditors for you. Creditors often offer reduced interest rates and waiver of certain fees to consumers who pay through a DMP. We will work with your creditors to get you the lowest possible monthly payments, and at the same time help you become completely debt free. Continue…

Personal Financial Education

To become debt free and stay debt free requires the knowledge and skills to make wise financial choices. We offer a wide range of free resources, both online and in print, that will help you develop your financial skills. The resources we have available include the DebtGuard and Money Smart computer-based interactive programs, the CESI CONNECTION newsletter, Consumer Credit Literacy, a personal financial calculator, the makingCHANGE and Spending on Main Street financial literacy programs, information on how to access a free copy of your credit report, and other valuable educational tools and information. CESI also houses an on-site Learning Center and Library equipped with financial educational resources (some available for check out) and computers. See Education page for more details.

Our ultimate goal is to make positive, lasting changes in the way you handle your finances, now and in the future.