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debt relief services

Our Services

Everyone’s financial situation is different, which is why CESI provides a range of services from non profit credit counseling to debt consolidation options to our financial education curriculum. As your partner, we’re here to help you figure out which solution works best for your circumstances. And then help you put it into action.

Debt Management

Our debt management plan (DMP) helps you regain control of your finances by allowing you to make one easy, affordable monthly payment. You make your payment to us, and we pay your creditors according to your plan.
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Housing Counseling

Whether you’re living in your dream home or looking to buy it, debt can threaten to close the door on your plans. At CESI, we offer extensive housing counseling services for prospective and current homeowners.
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Credit Counseling

With credit counseling, you can get a handle on your budget, create a financial action plan and figure out your debt-to-income ratio. These services are free, confidential and comprehensive, and we offer assistance over the phone, online and onsite.
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Financial Education

To achieve financial freedom, you need the knowledge to make smart money decisions. Through our financial education services, we provide free resources, both online and printed, that help you develop your financial confidence.
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Bankruptcy Counseling

CESI is approved to provide non profit budget and credit counseling services by the EOUST. Approval by the EOUST does not endorse or assure the quality of an Agency’s services. We make these services available to you in-person, by telephone, and by internet in both English and Spanish. To ensure that you receive your certificate in a timely manner you must devote 60 to 90 minutes to the completion of the required budget and credit counseling process. Once you receive your certificate, it is valid for 180 days after the completion of the counseling session. Fee waivers must be requested before starting the budget and credit counseling session.

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Assure Money Services

Assure Money Services is a comprehensive suite of services targeted to older adults, persons with disabilities, and/or their caregivers to provide them with a sense of financial well-being and relief from the stress of managing their finances.
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Representative Payee

CESI has been approved by the Social Security Administration to provide Representative Payee services to SSA beneficiaries. The Representative Payee program provides monthly budgeting and bill payment for  individuals who do not have a trusted friend or family member to assist them in making sure their bills get paid and that their money stays secure. CESI will manage this program using its Assure Money Services platform and utilizing its staff of certified financial counselors.

WiseTrac by CESI

WiseTrac provides employers an opportunity to offer financial education courses to their employees through an Employee Assistance Program. Individual consumers can also take advantage of the program to take control of their finances.
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