Helpful Documents & Webpages
Review helpful documents and fact sheets on budgeting, credit, debt management, foreclosure, and more.
Facing Financial Uncertainty? Take Action!
Five key actions, additional options when facing financial hardship, and top 10 questions to ask your employer before your last day of work.
Facing financial uncertainty? Start prioritizing your expenses.
10 key resources to help bridge financial gaps (for Minnesota residents only)
Budget and Credit Resources
Estimate your monthly expenses.
Can't figure out where your money goes each week? Use this form and write down what you spend every day for a week. You might be amazed!
Periodic expenses are items such as insurance or vehicle registration which may be paid quarterly or annually. It is important to set money aside for periodic expenses and unplanned emergencies.
Generally, consumers with higher credit scores get offers for better credit terms. Every score can be improved— take the steps to boost your score!
What is a judgment and what are my options if I have one?
Get a copy of your credit report to make sure the information is accurate, complete and up-to-date. Knowing what’s in your report may help guard against identity theft. (Because of COVID, the three credit reporting bureaus are now offering free weekly online reports through the end of 2022.)
A guide to understanding the collection process
The Do's and Don’ts of working with creditors
Using an envelope system can be a fun way to physically see what you earn each month, where the money is going, and helps you avoid overspending.
Suggestions for adding income to your household
Creative ideas to help you reduce expenses
Since so many financial decisions are based on credit history you may want to consider these options to establish or rebuild credit.
Managing finances depends on tracking when money comes in and when it goes out. Use this form and keep track of your monthly cash flow plan.
Resources for Minnesota residents who are un- or under-employed
What you do with your tax refund can have an incredible impact on your financial future. Use these suggestions to use your tax refund to improve your financial situation.
View sample letters and instructions on how to write to your creditors or collectors asking them to stop contacting you.
Credit scoring may be used with decisions on eligibility for loans, the cost of insurance premiums, and even employment or rental applications. Scores can be improved with strategy and time.
Prioritize your budget during times of financial uncertainty.
Feeling stuck with payday loans? You don’t have to be. There are options to stabilize your situation.
Debt Management Plan (DMP) Resources
Knowing what is on your credit report and understanding the information is important. We recommend you obtain a credit report at least once a year. (Because of COVID, the three credit reporting bureaus are now offering free weekly online reports through the end of 2022.)
Are you tired of making monthly payments to credit card companies while the balances don't seem to shrink? A DMP can help you successfully pay off your debt.
Our staff is committed to working with you so your DMP is a successful and positive experience.
Congratulations on taking the first step towards becoming debt-free! Transitioning onto the DMP is just as important as making monthly payments.
Current DMP Clients Resources
Directions on how to complete a money order for your DMP payment
Directions on how to complete a personal check for your DMP payment
When you set up automatic payments, your DMP payments automatically deduct from your checking or savings account every month via an Electronic Payment System (EPS). Learn more about EPS rules and regulations.
Get started with EPS for your next payment.
Our staff is committed to working with you to answer your questions.
Your lender may be able to help you avoid missing mortgage payments or catch up on payments you already missed.
The term "redemption period" refers to the period of time after a foreclosure sale (sheriff's sale).
Homeowners should know the tax consequences of forgiveness of any portion of a loan, including a loan that goes through foreclosure.
Reverse Mortgage Resources
A reverse mortgage is a loan that allows eligible senior homeowners to access some of their home equity.
Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to supplement their income.
Contact Us & Get Started
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 English, Spanish and Hmong. Interpretation, Telecommunications Device for the Deaf (TDD), and TeleTYpe (TYY) services are available as needed.
Phone, Virtual or In-Person Appointment
Call 888.577.2227 to schedule a phone or virtual appointment at a time convenient for you. Or set up an in-person appointment at one of our Minnesota or Wisconsin locations.
Get all your support by email.
To get started:
- Create your financial profile online any time of day with an email address and a password.
- Next, share your financial goal(s) and any other information you believe would assist us in understanding your financial circumstances.
- 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.
- 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.