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Consumer Education Services, Inc. (CESI) is a non-profit service provider of comprehensive personal financial education and solutions. CESI provides an array of financial solutions including: Credit Counseling Debt Management Housing Counseling Student Loan Counseling Financial Education Bankruptcy Counseling

Provides pre-purchase reports based on customer relations experiences and complaints as reported to the BBB. Also provides marketplace education and dispute resolution services to the community, which are funded by members of the Better Business Bureau.

A non-profit organization supported largely by membership dues paid by business and professional groups in the service area. Provides reports on business firms that will be helpful to the consumer before making a purchase, Also provides information regarding charity groups and organizations. Helps to resolve consumers' disputes with businesses through telephone conciliation, mediation and arbitration. Promotes ethical business standards and voluntary self-regulation of business practices. Complaints may be submitted on the website 24/7: www.bbb.org/consumer-complaints/file-a-complaint/get-started.

This department works for students, parents, and graduates who wish to reduce their monthly student loan payments by consolidating. Counselors are experts in all options available, to catch up missed payments, cure defaults, defer payments and reduce payments. A handy mobile app is available for this and more helplines: http://careconnectusa.org/trusted-helplines/

Provides basic information on Nursing Facilities, Assisted Living Facilities in Virginia. Also provides referrals to local and State Long-Term Care Ombudsman program where citizens can receive assistance with questions and concerns about long-term care.

Help consumers avoid telemarketing fraud and transmits consumer's reports about telemarketing fraud to appropriate law enforcement agencies.

A free, confidential service that assists in understanding Medicare, Medicaid, medical bills and Long Term Care Insurance policies. Offers assistance in making decisions about purchasing Medicare supplement or long-term care insurance. Counselors are available to make group presentations for groups of all sizes during office hours. After-hour presentations are based on staff availability. Does not represent insurance companies or medical providers.

Counselors will help individuals and families set a budget based on income, living expenses, priorities and goals. Future financial problems can be avoided through planning, wise use of credit, education and family money management.

Provides information to facilitate intelligent buying decisions. Also provides consumer education; outreach; and charity review through the National BBB Philanthropic Advisory Service that offers tips for wise giving and information on charities soliciting donations.

Provides many community opportunities for those without disabilities to learn more about those who do live independently with disabilities. This program includes sensitivity trainings, motivational workshops, community outreach, and Americans with Disabilities Act training and information.