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For Individuals

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    Why Choose LSS

    Are you tired of sending your monthly payments to credit cards and the balances never seem to go down?

    A Debt Management Plan (DMP) may be a solution to help you reduce your monthly payments and be debt free in less than 5 years.

    Each situation is unique, but typical benefits from a Debt Management Plan (DMP) include :

    • Save Money By Reducing Finance Costs.
    • Lower monthly payment. Improve your Credit Reporting Status.
    • Relieve Stress by stopping creditor calls.
    • Support from Our Expert Staff — from Start to Finish.
    • Free ongoing financial counseling to build a better ‘life after debt’.

    Call us today if you are ready to experience the personal satisfaction of living debt free!

  • Find peace of mind. Work with a trusted leader.

    We've been helping people in your community overcome debt since 1987. We understand each person’s situation is unique.  We have a long history of effectively and respectfully helping people experiencing financial stress. LSS certified credit counselors will work with you individually to address your situation, your needs and your concerns.

    Trustworthy & Effective

    LSS Financial Counseling is an accredited and trusted provider.

    We are proud of these associations:

    NFCC small National Foundation for Credit Counseling (NFCC)
    BBB small Better Business Bureau (BBB) A+ rating
    MN Attorney General small Minnesota Attorney General
    EOUST small Executive Office for U.S. Trustees (EOUST)
    Bundle/MSN Money Logo Ask a Debt Expert partnership with MSN and Bundle
    COA small Council on Accreditation (COA)

    LSS Financial Counseling is a nonprofit agency – this means our employees do not work on commission and their only interest is to serve you. We don’t try to ‘sell’ you anything. We are here to help you increase your financial security.


    Many people avoid credit counseling. There are so many myths out there about the dangers of getting help with your finances. Will it hurt your credit? How do I know if it is a scam? LSS is here to set the record straight. If you get credit counseling from a reputable organization, like LSS, and you're willing to take ACTION, more often than not, your situation will actually improve.

    Read 6 Myths About Credit Counseling


    We provide a respectful atmosphere where your sensitive financial matters are discussed without judgement. We listen carefully and will help you identify and evaluate all realistic options. There is never any pressure.

    "I am so happy that I learned about LSS Financial Counseling. I am relieved that I now have a plan in place to become debt free and am grateful for the respect shown to me by Financial Counselor, Julie Martinez. Some of the topics I discussed with her were very private and I was quite embarrassed by my financial situation. Julie treated me with dignity and did not shame me for past spending habits that were outside my means. I appreciate the assistance that LSS has provided and I am looking forward to paying off my debt!"--Monica from Minneapolis

    Read More Testimonials


    No problem is too big and no question is too simple. We are here for you.

    If you are feeling in financial chaos and don’t know where to turn, or just have questions about improving your credit report, we can help.


    Counseling Services are available by phone, internet, or in-person counseling. Choose to work with a counselor in the way that is most comfortable and convenient for you!

    We have offices in Minnesota and Wisconsin for in-person appointments.

    In addition to counseling, you can call a financial counselor even if you just have a question. Call 888.577.2227.

    When you're ready to take action, we're here to offer the help you need.