Budget & Debt Management Counseling

Budget & Debt Management Counseling

Man on the phone.Our nonjudgmental financial counselors are here to assist you with creating a plan so you'll feel confident in managing your finances; plus, our financial counselors are certified by the National Foundation for Credit Counseling (NFCC). Take the first step by setting up an appointment today.

Our nonprofit debt relief services include:

Improve or achieve financial wellness by:

The Pyramid of Financial Wellness

Learn six steps to achieve or improve your financial wellness!


What People Say About This Service

“With guidance from LSS Financial Counseling my credit card debt is being paid down. I can breathe and plan for the future.”

– Wylie

“I needed to take ownership of my debt as it was starting to affect my health. I didn’t want to do financial counseling because I didn’t want to be scolded and I felt a lot of shame and guilt. Then I met my financial counselor. My doubts were immediately put to rest! She didn’t judge me, ensured me I was not alone and that my financial well-being was indeed repairable. I was empowered beyond anything I could have imagined! I have paid off my debt and my physical health has improved tremendously.” 

– Leon, Air Force veteran

What Do I Need for Counseling?

In order for your financial counseling session to be most productive, it is helpful to have the following information available:

  • Your monthly income.
  • Typical monthly expenses.
  • Statements from your creditors.
  • Any other information you believe would be helpful in understanding your financial situation.

Don't have everything? Don't worry. Call us and we help guide you through the process.

Get Started Today

Our free and confidential services are available nationwide by phone or virtually. We also offer in-person appointments across Minnesota.

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

Get Started



LSS Financial Counseling