Contact us today for credit counseling you can trust.
online counseling >
or call 888.577.2227
Signup For Our E-newsletter >
We've been helping people in your community since 1987. LSS Financial Counseling is one of the most trusted credit counseling organizations in the Upper Midwest, accredited by the Council on Accreditation, and a member of the National Foundation for Credit Counseling. When you're ready to take action, we're here to off the help you need.
Our mission is to empower people to take control of their debt with tangible steps and personal guidance that are the key to confidence and success.
Consider your options--for free. Our financial counselors will help you develop a budget and a plan of action for debt payment based on your individual situation.
A Debt Management Plan (DMP) consolidates your monthly bills into one simple payment -- often with a lower interest rate -- so you can start paying off those debts and return to financial health faster.
Rebuild after bankruptcy. We provide the Bankruptcy Pre-Filing Counseling and Pre-Discharge Education required for those who file for personal bankruptcy. We will help you explore the consequences of bankruptcy, evaluate it alternatives, and get started on a path to a better financial future.
Improve your credit score. We will help you get a free copy of your credit report and provide a free and confidential review to ensure you have the tools necessary to improve, maintain and protect your credit standing.
Protect your home. Our HUD-certified housing counselors can help you assess your options whether you're having trouble making mortgage payments, considering refinancing or even buying a home.
FRAMEWORK™ is a high quality, fun way to learn how to be a smart, confident and successful homeowner. It provides the facts you need to become well-informed about every step in the process.
HUD-certified specialty counselors help you make informed choices about reverse mortgage options so you make the best choices for you.
LSS Financial Counseling is a service of Lutheran Social Service of Minnesota, which serves all people and all incomes regardless of race, color, creed, religion, national origin, sex, sexual orientation, disability or age.
LSS Financial Counseling | 424 West Superior St. Suite 600, Duluth, MN 55802 | 888.577.2227