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For Individuals

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    Get Started with Debt Counseling

    Setting up an appointment to talk with a counselor can be scary. At LSS we get that. Our counselors are here to help you feel better. Take the first step and set up an appointment. Take control.
  • Get started today!

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


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    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.

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    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 >

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    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.

  • Consider your options -- for free.
    To see your financial future clearly, you need proven tools and solutions that will last a lifetime. Our certified financial counselors are here to help, not take over. We'll provide the plan and guidance so you'll feel confident in managing your finances.

    • Evaluate your current financial situation
    • Develop a budget and plan of action to achieve your goals
    • Encouragement along the way
    • Consolidate your payments -- often with a lower interest rate -- so you can start paying off debts faster