About CESI

CESI is a not-for-profit organization for consumers in search of financial independence and freedom from debt.

We offer a wide range of services from debt management to credit counseling to financial education. And We're dedicated to helping you find the debt solutions that work for your situation.

Our Counselors

You don't have to face your debt alone. Our counselors are certified within six months of employment by top debt counseling agencies such as:

  • Association of Independent Consumer Credit Counseling Agencies (AICCCA)
  • Association for Financial Counseling Planning and Education (AFCPE)
  • National Institute for Financial Education (NIFE)
  • The Center for Financial Certifications

Common Questions

How much does the debt management program cost?

What is a debt management plan?

Normally, there is a one-time activation fee and a monthly service fee. These fees are included in your monthly payments, so you do not need to have money today to start your journey towards financial freedom.

CESIDebt's Social Feeds



What do the new Credit Card Laws mean for me?

What should I look for in a debt management provider?

If you have not heard, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (the Credit CARD Act) was signed into law in 2009. The new law is intended to help protect consumers from unfair practices with regard to fees, penalties, interest rate increases and other unwarranted changes in account terms. Read on to learn more.

Connect With Us

RSSFinancial Education

Give Me Some Credit Here: Top 5 Cards for People With Bad Credit

Is your credit score hovering somewhere between 300 and 600 (the range that commonly gets defined as “bad credit”)? Do you cringe whenever your credit report gets pulled? Are you looking for a quick and painless fix to your credit problem? Well…I don’t have it. What I do have is five credit cards tailor-made for people with bad credit that will help you, over time, to rebuild your score.

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You can still negotiate down your interest rates!

Would you like some insight on things you can do to negotiate down your interest rates?  I’ll share some tips with you and tell you who would more than likely be successful negotiating those rates.

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Five Ways to Save at the Grocery Store without Using Coupons

Many people do not bother trying to use coupons at the store.  Sometimes, it seems like a bigger hassle to use them, than to not.  There is also an added cost of purchasing a paper each Sunday for the coupons.  If you do not use many coupons, you are essentially paying to save, which is probably not a good way to approach saving.  In lieu of that, here are five ways to save at the grocery store without using coupons.

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Go To Websites If You Need Money For College

College is one of the biggest expenses you will face as your children grow. Here are links to two of the most comprehensive websites you’ll find to help you or your children track down money to help pay for college

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RSSDebtbusters Blog



Marriage and Credit Cards Survey

Do you spend money without your spouse knowing?  CESI Debt Solutions conducted a survey and you may be very surprised to see the results.

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