Helpful Documents

Helpful Documents & Webpages

Man at a laptop using wheelchair and woman looking over document together Review helpful documents and fact sheets on budgeting, credit, debt management, foreclosure, and more.

Facing Financial Uncertainty? Take Action!

Transition from Survival to Success (Webpage)

Five key actions, additional options when facing financial hardship, and top 10 questions to ask your employer before your last day of work.

Prioritize Your Expenses (Webpage)

Facing financial uncertainty? Start prioritizing your expenses to ensure the health and safety of you and your family.

Find Resources — For Minnesota Residents Only (Webpage)

10 key resources to help bridge financial gaps (for Minnesota residents only)

Budget and Credit Resources

Weekly Spending Tracker (PDF)

Can't figure out where your money goes each week? Use this form and write down what you spend every day for a week.

Monthly Budget (PDF)

Estimate your monthly expenses.

Dealing with Creditors (PDF)

The Do's and Don’ts of working with creditors

Envelope Budget System (PDF)

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.

How to Establish or Rebuild Credit (PDF)

Since so many financial decisions are based on credit history you may want to consider these options to establish or rebuild credit.

Credit Scoring (PDF)

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.

Payday Planner (PDF)

Use this form to plan and track how each paycheck will be spent.

Debt Management Plan (DMP) Resources

A DMP and Your Credit Report (PDF)

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. You can request a free credit report as frequently as once a week from each of the three major credit reporting bureaus (Experian, Equifax and TransUnion).

Benefits of a DMP (PDF)

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 employees are committed to working with you so your DMP is a successful and positive experience.

Getting a Jumpstart on Your DMP (PDF)

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

How to Complete a Money Order (PDF)

Directions on how to complete a money order for your DMP payment.

How to Complete a Personal Check (PDF)

Directions on how to complete a personal check for your DMP payment.

Electronic Payment Services (EPS) Rules and Regulations (PDF)

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.

Electronic Payment Services (EPS) Enrollment Form (PDF)

Get started with EPS for your next payment.

Foreclosure Resources

Minnesota Foreclosure Process (PDF)

Foreclosure by advertisement is the most common type of residential foreclosure in Minnesota.  

Your Rights During the Redemption Period (PDF)

The term "redemption period" refers to the period of time after a foreclosure sale (sheriff's sale).

Reverse Mortgage Resources

What is a Reverse Mortgage? (PDF)

A reverse mortgage is a loan that allows eligible senior homeowners to access some of their home equity.

Understanding Home Equity Conversion Mortgages (aka Reverse Mortgages) (PDF)

Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to supplement their income.

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