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What to Expect When You Call a Credit Counselor

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What to Expect When You Call A Credit Counselor

Wondering What to Expect When You Call a Credit Counselor?

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.

Creating a Budget and Action Plan

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.

Get Options For Your Financial Situation

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.

Take Control of Your Financial Situation

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.

Also check out:

What to Expect in the First Month

What to Expect at Month Three

What to Expect After the Program Has Ended


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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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