CFS2 - Helping consumers achieve financial recovery

Welcome to the Resource Center

CFS2 recognizes the importance of not only providing high-quality personal financial guidance to those who need it, but of also being a leader in advancing the cause of financial literacy in our schools. Through advocacy and research through our non-profit affiliate, The Center for Consumer Recovery, CFS2 is in the forefront of a movement to make financial literacy and sound money management a universal skill.

Work hard once — so the rest is easy

Often time's job seekers don't have all of the information needed for an application. Some applications are never finished due to lack of information. CFS2 has put together a comprehensive application for you to fill out. Hopefully by filling in this application, you will have all of your employment information in one place that is easily obtainable.

CFS2 can help you fill in your application as well as keep a copy on file. Once we have a copy of the application on file we will be able to fill out applications for you.

Call today 888-394-3951

Letter to creditors

We've posted five action letters created by the CFPB ( that consumers can consider using when replying to debt collectors:

1. Needs more information on the debt

The first letter is for consumers who need more information about a debt the collector has told them they owe. The letter states that the consumer is disputing the charges until the debt collector answers specific questoins about what is owed. This letter may be useful, for example, for a consumer who may not immediately recognize the debt as their own or for those who want to find out more about the debt before they pay it.

2. Wants to dispute the debt and for the debt collector
to prove responsibility or stop communication

This letter tells the collector the consumer is disputing the debt and instructs the debt collector to stop contacting the consumer until they provide evidence that the consumer is responsible for that debt. For example, consumers who do not want to discuss the debt until they have additional information verifying the debt might use this template.

3. Wants to restrict how and when a debt collector can contact them

The Fair Debt Collection Practices Act prohibits debt collectors from contacting a consumer about a debt at a time or place they should know is inconvenient. With this letter, the consumer is able to tell the debt collector how they would like to be contacted. This may be a useful option for a consumer who wants to work with a collector to resolve their debt.

4. Has hired a lawyer

If a consumer has hired a lawyer, generally, the debt collector should be contacting the lawyer instead of the consumer. This letter template provides a way for the consumer to give the debt collector the lawyer's information and instruct the collector to contact only the lawyer.

5. Wants the debt collector to stop any and all contact

Consumers have the right to tell a debt collector to stop all communication. It is important, however, to note that stopping contact from a debt collector does not cancel the debt or prohibit the collector from potentially pursuing other remedies, such as filing a lawsuit. This letter template could be beneficial for those consumers who feel they are being harassed by a collector's communications.

Have a complaint?

If you ever have a complaint we want to know. We will work to make sure every experience with CFS2 is a good one. If you feel like you're not receiving the service you need please email us at This email address goes to our Founder and CEO Bill Bartmann. If you feel like we aren't addressing your problem the CFPB has set up a complaint form for you to use. The link to the CFPB complaint form is

Why would we do this?

You are important to us and we want to serve you with great customer service.

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Important Information Required By Law: This communication is from a debt collector.
This communication is an attempt to collect a debt and any information obtained will be used for that purpose.