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 qualified 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 qualified credit counselor will access your financial situation, by reviewing your current financial concerns, any changes in you financial situation as well as your financial goals.

Questions asked by your counselor:

Have you recently had any life changing events?
Are you having issues with your financial situation?
Are you having issues meeting financial goals?
Do you need any assistance with your secured or unsecured debt?

Step 2: Complete a budget analysis
During this phase of the counseling session your counselor will ask questions to determine your current spending habits through a budget analysis to get a clear picture of your income versus your debt load. Your counselor will then re-examine your budget and offer suggestions for improvement. He or she will even provide you with a copy of this budget as a guide to assist you with making better spending choices.

Items need for counseling session:

Personal information
Monthly income figures
Monthly expenses

Step 3: Provide Options and Recommendations
Upon completion of the budget analysis your counselor can assess your debts, expenditures and income. He or she will provide you with options available to assist with your financial situation and will also help you decide which option is best suited for you.

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 local, state or national resources
Debt Management Plan
Housing Counseling

Step 4: Executing the Plan
After assessing your financial situation, your counselor will recommend a plan of action for you. He or she will even assist you with following through with the recommended plan and offer continued support. Gaining control of your finances does not have to be stressful. Let one of qualified counselors help you. 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.

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