Get Started

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Now is the perfect time to take control of your finances!

Our non-judgmental certified credit and housing counselors can help you understand your options and create a realistic plan for your financial situation.

We have counselors who are fluent in English, Spanish, and Hmong. Interpretation, TDD, and TYY services are available as needed.

Don't wait...take action now.

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Call 888.577.2227

Just a quick question?

You can speak with our ‘Counselor on Call’ from 8:00 am to 4:00 pm each Monday through Friday. A certified credit counselor will provide free and confidential financial guidance and reliable answers.


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In Person

Call 888.577.2227 to schedule an office appointment at one of our Minnesota or Wisconsin locations.


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Start online debt counseling. It's easy!

Available 24 hours a day, 7 days a week.

  1. Create an account. It’s fast, free and simple.*

  2. Login to your new account and complete your financial profile online with your income, any current debts and other details you feel will be helpful to understand your current situation. (Information submitted will remain confidential. It will only be used by an LSS certified credit counselor to review your financial situation and identify options that may be right for you. We do not share information with third parties)

  3. Review your financial situation with a counselor. A certified credit counselor will review your financial profile, then contact you to discuss the available options and offer individualized advice to help you achieve your financial goals.

*If your debt is predominantly Student Loan debt, please call us at 888.577.2227 to schedule an appointment.

Current Clients
Already have an account?  Current Client Login

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 — contact us anyway!


LSS Financial Counseling Service