Debt Management Resources

Debt Management Resources

woman at laptop and on phone

LSS Financial Counseling understands that every financial situation is unique. That is why we offer a wide variety of debt and budgeting tools. Whether you want to read more about Debt Management Plans (DMP), ask a question or speak with a National Foundation for Credit Counseling (NFCC) certified LSS financial counselor, we have the right resource for you.


Debt Management Plan Fact Sheets

A DMP and Your Credit Report

Benefits of a DMP

DMP Questions and Answers


Websites & Articles

Does Credit Counseling Affect My Credit Score?

Beware of Debt Assistance Scams
Minnesota Attorney General


Contact Us & Get Started

If you would like to learn more about the services we provide or how to start receiving support, please call 888.577.2227, email us or complete our short contact form.

Our free and confidential services are available nationwide by phone or virtually. For in-person appointments view our office locations to find a location near you!

We have counselors who are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.


Over the phone logo.Phone, Virtual or In-Person Appointment

Call 888.577.2227 to schedule a phone appointment at a time convenient for you or an office appointment at one of our locations.


Online logoOnline Appointment

Get all your support by email.

To get started:

  1. Create your financial profile online any time of day with an email address and a password.
  2. Next, share your financial goal(s) and any other information you believe would assist us in understanding your financial circumstances.
  3. Then provide the amount of your household take-home income, balances and payment amount for credit card and unsecured debts, and monthly expenses. Click Finish to submit your information. Once submitted, your financial profile cannot be changed or updated.
  4. Finally, a counselor will email you within two to three business days to provide options and work with you to determine next steps to reach your goal(s).

If you are seeking guidance for student loan debt or housing issues, please call us at 888.577.2227 to schedule a phone appointment.

Please note: we do not provide retirement planning services or investment advice.

Video Resources

The Benefits of a DMP with LSS Financial Counseling


Crisis Budgeting Tips