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For Individuals

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    Get out of debt

    Overcoming debt is a tough challenge, but with the right tools and a little encouragement, you can take charge of your finances for good.

    Your debt free future awaits.

  • Don't Wait...Take Action Now.

  • 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

  • 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.

  • Testimonials

    Every day we help people learn to manage their finances.

    “I am on a Debt Management Plan with LSS and I have to tell you, I got teary eyed when I read my statement today. Three years from now I could be debt free!! That is my new focus! And my goal will be to NOT take out or charge any new debt on credit cards. I am so sick of the vicious cycle and I can’t even tell you the tears I have shed over my financial situation. LSS was my lifeline when there was no other place to turn. I would be so honored if this statement could help even just one person make the decision to work with LSS” —Marcia from Minnesota

    Read more testimonials