Budget & Debt Counseling

Budget & Debt CounselingMan on the phone.

Our non-judgmental financial counselors are here to help you create a plan so you'll feel confident in managing your finances. Take the first step by setting up an appointment today.

  • Evaluate your current financial situation
  • Learn about your options
  • Develop a budget and plan of action to achieve your goals
  • Consolidate your payments -- often with a lower interest rate -- so you can start paying off debts faster

Get started today!

Budget and debt counseling, also known as credit counseling, is free and confidential. Choose the best option for you:

Over the phone logo.Phone or In Person Appointment

Call 888.577.2227
Schedule a phone appointment at a time convenient for you or an office appointment at one of our Minnesota or Wisconsin locations

Please note: to limit the spread of the coronavirus, we are currently offering phone and online appointments only. We will reintroduce in-person appointments at a later date. 

Online logoOnline Appointment

Get all your support online. Begin your online appointment by creating your financial profile online any time of day online. Just create a login name and password, then complete your financial profile with your income amount, monthly expenses, amounts owed to creditors, and any other information you believe would be helpful in understanding your financial circumstances. After that, a counselor will be in touch via email to offer some options and determine next steps. 

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.


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

“I was at the point where I had nothing. I couldn’t pay rent. I owed more on my car than it was worth. While juggling payments I worked a second job. I was Googling ‘bankruptcy. I was frightened, and what was worse, I was ashamed. I started talking to one of LSS’ financial counselors, and I was ready to listen to anything she had to say. It felt like a lifeboat had come into my life. All of my debt was consolidated into one monthly payment. With the reduced interest, it was amazing how fast the bills got paid off – and ahead of schedule. Seeing my credit rating go up as the balances went down — that was sweet, too.” – Tim from North Dakota

If you are looking for additional support with budgeting and managing monthly expenses, LSS Financial Counseling can help. Learn more about our budget counseling services.