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LSS Financial Counseling is a nonprofit, full-service credit counseling agency. When you're ready to take action, we're here to offer the help you need.
Throughout the years, it became clear that with our guidance and planning, we help people with debt gain the confidence they need to succeed. Empowering people is something we do well. It's something we're certain that we do better than many others. And we have a great desire to continually improve the service we provide our clients
So, we confidently make this promise to you:
At LSS Financial Counseling, we empower people to take control of their debt with tangible steps and personal guidance that are the key to confidence and success.
To see your financial future clearly, you need proven tools and solutions that last a lifetime. Get started today! Take charge of your life again.
LSS Financial Counseling is an accredited and trusted provider.
We are proud of these associations:
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.
Accreditations and Certifications
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