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Credit Management Programs

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How Creditors Recover Debt Owed

Just as it does for consumers, debt presents difficulties for creditors. If a customer in debt won’t respond to a business’ request for payment, that business goes to a credit management company for help. A credit management program helps businesses take control of their accounts receivable so that they can resolve delinquent accounts and improve their cash flow. Most businesses go to a credit management company when they have tried to collect a debt from a customer several times without response. It can cost a business valuable time and money to continue to pursue uncollected debt and it’s easier and more cost-effective to hand those accounts over to a credit management company.

In most cases, when you receive a call from a collection agency, a company you owe money has enrolled you in a credit management program. In this way, CESI is similar to a credit management company. When you need help with debt, you call CESI to help you pay it off in a timely manner. When a business needs help collecting a debt, they call a credit management program to help them get that debt paid back in a timely manner.

When you’re in debt, it’s good to remember that businesses typically aren’t out to get you. They are trying to run their business well, and a credit management program is one way to help do that. If you are contacted by a credit management company, ignoring their communications will make the problem worse. Respond in a polite, timely manner and they will generally be happy to work with you to recover the debt.

If you need assistance with your debt, call us today at 1-888-919-CESI to speak with one of our certified credit counselors about your situation.


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.


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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. 

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