en Español

For Individuals

  • Couple with computer

    Debt Management Plans

    Choosing which bills get paid this month?  Debt collectors won’t stop calling?  Always stressed about money?
  • Don't Wait...Take Action Now.

  • A Debt Management Plan (DMP) with LSS Financial Counseling will: 

    • Provide you an affordable payment plan.
    • Allow you to take pride in full repayment of your debts.
    • Lower your interest rates.
    • Reduce your debts faster.
    • Provide the ease of one payment.
    • Take the fear out of answering the phone and opening your mail.
    • Provide the comfort of knowing that 100% of your payment is going to your creditors.
    • Include ongoing support from an LSS Counselor and helpful resources

    View our new Debt Management Plan Roadmap to see what this process looks like in practice.

  • Get started today!

    Budget and debt counseling is free and confidential. Choose the best option for you: 


    Phone Icon   In person icon

    Phone or In Person Appointment

    Call 888.577.2227
    Schedule a phone appointment at a convenient time for you or an office appointment at a Minnesota or Wisconsin location.

    Mouse Icon


    Get started any time of day - it only takes a few minutes. Just create a login and complete your financial profile. After that, a counselor will be in touch to offer some options and sound advice. 

    Learn more >

    Get started now>

    Five Tips for a Fresh Prespective on Debt

    Do you have symptoms of financial neglect? Do you have several months' of unopened bills and mail at home or maybe have you stopped paying attention to your bank account? If yes, a DMP with LSS could be just what you need to get you back to financial success.

    Read 5 Tips for a Fresh Prespective on Debt

    What do I need for counseling?

    In order for your time to be most productive, it is helpful to have the following information available:

    •  Income 
    •  Typical monthly expenses 
    •  Statements from your creditors. (Don't have these? Our counselors can obtain a free version of your credit report at your request.) 
    •  Any other information you believe would be helpful in understanding your financial situation. 

    Don't have everything? Don't worry. Call anyway!

    Rod and Bonnie's Story

    Hear about the impact a Debt Management Plan had for couple Rod and Bonnie.