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When you call CESI for the first time, you’ll talk to one of our friendly certified personal financial counselors. You will work with the counselor on a financial assessment. Youre counselor will ask questions about your current financial situation including your household income and expenses.
All information you provide is strictly confidential and will be used to generate an action plan for addressing areas of concern you may have.
During your consultation, your financial counselor will help you analyze your spending habits by evaluating your household expenses and your debt load. Your counselor will offer suggestions on how to increase your disposable income by reducing expenses and will provide you with an action plan as well as a copy of the new budget to guide you in making healthy spending choices.
Once your financial assessment is complete, your counselor will present you with the best options that he or she feels may work for your debt concerns and address the advantages and disadvantages of each option. If the recommendation is a debt management plan, and you’re interested in enrolling, then you will need to have your most recent creditor statements on hand. In order to provide you with a quote on what your debt management payment would be, your counselor will ask you for information about your unsecured debt.
After the counselor enters your creditor information, you will receive a payment quote and an estimated payoff time. Then your counselor will send you documentation explaining the debt management plan and how it works. From this point, it is up to you to decide if you would like to enroll on the debt management plan. The enrollment process is simple and can be done via the Internet or fax.
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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.
CESI is NOT A LOAN COMPANY