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.

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What should I look for in a debt management provider?

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RSSFinancial Education

Credit Card Calculators To Help Put Money In Your Pocket

Do you know how much credit is costing you? Here is a rundown of some of the various ways to analyze how much you might be spending on the credit cards in your wallet

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Where can I find information about my credit score?

This blog post may actually help you to find out more information that you may not be aware of for your credit score. Fair Isaac corporation takes the information about you and puts it to a mathematical formula to come up with your credit score.

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Consumer Reports. Not Just A Shopping Website

Most of us have heard of Consumer Reports, but do you know what it can do for you? Here is a breakdown of the many types of consumer finance advice the famous consumer advocacy website can provide for you

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Credit Karma: Good Credit, Good Karma

Recently, there have been many new personal finance tools that can assist you in managing your budget, debt, and spending.  One of these new tools is CreditKarma.com.  Credit Karma is a web site that offers various tools and information to assist you with improving your credit score.  I recently signed up on the web site in hopes of getting some good credit karma.  Here’s what I found. 

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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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