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 to ensure the health and safety of you and your family.
10 key resources to help bridge financial gaps (for Minnesota residents only)
Budget and Credit Resources
Estimate your monthly expenses.
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.
Since so many financial decisions are based on credit history you may want to consider these options to establish or rebuild credit.
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.
Use this form to plan and track how each paycheck will be spent.
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. 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).
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.
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.
Foreclosure by advertisement is the most common type of residential foreclosure in Minnesota.
The term "redemption period" refers to the period of time after a foreclosure sale (sheriff's sale).
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.
Get Started Today
If you would like to learn more about the services we provide
Our free and confidential services are available nationwide by phone or virtually. We also offer in-person appointments across Minnesota.
We have counselors who are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.