Credit Counseling Services

ESA is staffed with professional counselors who provide the financial educational steps to remain on the correct path to a brighter financial future. Each year thousands of people are faced with new financial hardships such as; lost of job, medical circumstances and/or unexpected new bills.

These new financial circumstances cause the consumer to have to change their lives in regards to credit and spending habits. This process is not an easy task for many consumers it can be very stressful. ESA professional counselors provide confidential and professional debt counseling with understanding, plus workable solutions including but not limited to the following:

• To understand your debt, how it can compound and how it can enslave you
• Develop and commit to your personal budget
• Show how your personal values determine where, when and how you will spend your money
• Setup and prioritize realistic financial goals (both immediate and in the future)
• Understanding the difference between a “WANT” and a “NEED”
• Study your own spending habits with your “Day-to-Day Expense Form” to determine where your money is being spent on a daily basis
• Encourage savings for unexpected expenses and/or emergencies that arise
• Educate the consumer on anticipating problems that may arise in the future
• To make the consumer a informed and educated spender

For more details call (800) 985-7474 or send us an e-mail by clicking here!

We welcome all of your comments and suggestions. The contact information below will be sent via e-mail to us. The information is only utilized to contact you to answer your concerns.