Our Services

Credit Counseling

Our credit counseling services are free, confidential and comprehensive. We offer assistance over the phone, online and onsite

Get control of your debt in 4 easy STEPS

Overdue bills, spiraling interest rates, late fees, collection calls - even when you know you need help, it can be difficult to take that first step. We understand. Our certified counselors have helped thousands of clients break the cycle of debt and take control of their finances. We’re standing by, ready to help you. Calling us is your first step toward financial freedom. This could be the most important call you ever make.

We are committed to empowering and inspiring you to become debt free, and equipping you with financial tools and educational programs that will enable you to make smart money management decisions.

Typical factors that attribute to financial Crisis are:

  • Unemployment
  • Loss of income
  • Medical expenses
  • Death
  • Overspending
  • Divorce or Separation

Give CESI a call for a FREE consultation and learn how you can take control and even eliminate your debt. Get control of your debt in 4 easy STEPS:

Step 1: Contact us for a free consultation and gather your bills.

A certified credit counselor will access your financial situation to determine the need, the types of debts you have, estimate how much you owe and the steps you may take to better manage your finances.

Items need for counseling session:

  • Most recent statements
  • Creditor account numbers
  • Personal information


Step 2: Complete a budget analysis

During this phase of the counseling session the counselor will ask questions to determine your debt-to- income ratio by performing a budget analysis to get a clear picture of your income versus your debt load. Our counselors will re-examine your budget, create a spending diary and provide financial education.

Questions asked by the counselors:

  • Are you overextended?
  • Are you able to make your minimum payments?
  • Are you getting late fees or over limit fees?
  • Are you receiving collection calls or letters?


Step 3: Develop a spending diary

Upon completion of the budget analysis our counselor can assess your debts, expenditures and income. We will work with you to develop a Spending Diary to get you back on track.

Recommendations by counselors to help get you back on track:

  • Take on a second job
  • Cut back on expenses
  • Restructure your debt
  • Refer you to state or national resources


Step 4: Recommendation of Debt Management Program

After assessing your financial situation, your counselor my recommend a Debt Management Program to get you back on track with creditors and out of debt in a timely manner.

Gaining control of your finances does not have to be stressful. Let one of certified counselors help you. CESI provides FREE

Regaining control of debt can be achieved in 4 easy STEPS. Let us help you secure a hope for financial freedom. There is life after DEBT.