Budget & Debt Counseling
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:
Phone or In Person Appointment
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.
Get all your support online. Begin your appointment by creating your financial profile online any time of day. 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 within two to three business days 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.
What people say about this service
“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
“I had carried a large amount of credit card debt for quite some time, and it never seemed to go down much, and often would increase incrementally. I became uncomfortable with it, and when I found out about LSS Financial Counseling through my employer, I reached out for support and advice.
My financial counselor was great; he was pleasant and reassuring. Because my job was stable, I had a fair amount of savings, and my debt was perpetually accruing interest, he suggested that I focus on the debt and suggested options for doing so. I chose to pay off the by making larger payments over several months.
My credit card debt is now all paid off! It is very freeing to know that that this burden is now gone, and I can take the money I was using to pay down the debt and start building up again. Another benefit was a substantial increase in my credit score, allowing me to refinance my home at a much lower rate and saving me even more money.” - Nick from Roseville, MN