be_ixf;ym_201910 d_21; ct_100
Text Size A A A

Management Team

Get Debt Consolidation Options

Call Now! (866) 484-5373

Mike Croxson, Chief Executive Officer

Mike Croxson joined CESI as CEO in 2017 bringing more than 30 years of experience in the financial services industry.  He oversees all the operational, financial and community development functions of the company.

Mike’s skills include a particular focus on adapting new technology to meet the needs of consumers struggling with their financial situation. For more than a decade, Croxson served as president and chief operating officer for CareOne Debt Relief Services, one of the nation’s largest and most innovative debt management companies. Just prior to joining CESI, Mike served as Chief Operating Officer of Bay Bank, FSB and has held senior leadership roles in the areas of commercial banking, specialty financial services and credit card processing.

Mike earned his BA from the University of Virginia, Charlottesville and went on to complete the Program for Executive Manager Development at Duke University’s Fuqua School of Business. He earned the designation of SPHR from the Society for Human Resource Development and is a Certified Personal Finance Counselor.

Mike’s community involvement includes service with national and local non-profit and community-based organizations including the Cystic Fibrosis Foundation, FCAA, Elon University and the Community Foundation of Howard County.

Steven Cole, Treasurer/Director of Finance

Since 2006, Steve has led CESI’s Finance and Accounting departments. With over 24 years of experience in the accounting and finance field, Steve’s expertise ensures that corporate assets are safeguarded through internal controls and accurate financial records. Steve is a graduate of National College of Business in South Dakota and has held multiple positions in finance and management for Fortune 500 companies. He has worked with internal auditing, finance, long range plans and served as subsidiary controller position for operations in excess of $30 million annual revenue. Steve has been licensed as a CPA for more than 20 years and is also a certified BV auditor.

 Jean Elias, Vice President of Marketing


Jean Elias joined CESI in 2015 as Vice President of Marketing bringing with her over a decade of experience in the financial services industry, including the debt relief and structured settlement verticals. Passionate about customer experience and financial education, Jean has spent over a decade connecting highly leveraged consumers to products and services aimed at improving their financial outlooks and achieving their goals.

Jean began her career in public accounting before moving over database and digital marketing. She holds a Bachelor of Arts degree from Stanford University in Economics and is a member of Delta Gamma Fraternity.

 Christel McDuffie, Director of Creditor Services and Compliance

Christel began her career at CESI Solutions in 2002 as a credit counselor. Since then, she has also served as Assistant Education Director, State Licensing Coordinator and is currently the Director of Creditor Services and Compliance.

In her current role, Christel is responsible for ensuring CESI adheres to all state and federal regulations concerning debt management as well as creditor guidelines. Her other responsibilities include managing all functions of the Creditor Services and Resolutions departments.

Christel holds a Bachelor of Arts in Psychology from the University of North Carolina at Chapel Hill as well as a Credit Counselor Certification from the Association for Financial Counseling and Planning Education.

Greg Smalls, Director of Housing Development

As Director of Housing Development, Greg serves in the important role of leading our counseling and management team – helping CESI employees to better serve and assist the families we speak to every day.

Greg is a 20-year distinguished career veteran of the United States Army and a graduate of Pierce College in Tacoma, Washington.

After leaving the Army Greg worked for Excel Communications as an independent sales representative helping build a sales force of over 300 agents. His training, teaching and motivation helped create annual revenue in excess of $750,000.

Greg joined CESI in 2002 and has held several positions at CESI including Credit Counselor, Coach and Outbound Team Coach. Greg is a HUD Certified Housing Counselor, Certified Reverse Mortgage Counselor, and he currently heads the call center team for the North Carolina Foreclosure Prevention Fund and the State Home Foreclosure Prevention Project for the North Carolina Housing Finance Agency and is the Director for our HUD approved Homeownership Center.

About Us

Consumer Education Services, Inc. is a non-profit organization committed to empowering and inspiring consumers nationwide to becoming debt free


Consumer Education Services, Inc. (CESI) is a non-profit service provider of comprehensive personal financial education and solutions for all life stages and for all of life’s milestones. Our goal is enhanced economic security for everyone we serve.


Debt Consolidation

Financial Education

Homeownership Center

View More of Our Services »


Financial Information about this organization and a copy of its license are available from the State Solicitation Licensing Branch at 919-814-5400. The license is not an endorsement by the State. 

Follow Us

Consumer Education Services, Inc. © 2019