For In-person or
Phone Counseling
CALL US
888.577.2227

 Get started with online counseling and education:

Budget/Debt Counseling
Bankruptcy Pre-Filing Counseling
Bankruptcy Pre-discharge Education

For Any Questions
CONTACT US

  
LSS Financial Counseling is a service of Lutheran Social Service of Minnesota which serves all people regardless of race, color, creed, religion, national origin, sex, sexual orientation, disability or age.
LSS Financial
Counseling Service
424 West Superior St. Suite 600 Duluth, MN 55802
1-888-577-2227
 

 

 

Home About Us Locations FAQs Current DMP Clients Budget Tools News Links

LSS FINANCIAL COUNSELING SERVICE
A CONSUMER CREDIT COUNSELING SERVICE PROGRAM

  

Bankruptcy Pre-Discharge Education

LSS Financial Counseling Service is proud to be approved by EOUST, the Executive Office for United States Trustees, to provide pre-discharge bankruptcy education classes nationwide (except Alabama, North Carolina and Oregon).*

Education sessions are 2 hours in length, and include a pre and post test. In this session, you will gain an understanding of life after bankruptcy, and be provided the help you need to move forward financially.

Services are available in person or online. In-person Classes

    To enroll, call 888-577-2227.  You must pre-register.
    Our financial counselors teach these classes and each participant will receive a copy of the workbook, Lead A Richer Life, and be issued a Certificate of Completion.

    Review list of locations and dates of classes.
Online Class

Fee Policy:  There is a fee of $40 per person for this service. If you are a married couple, and both are filing, you must both complete the education. Services are available for free based on a client's ability to pay, under the following circumstances: 1) if your attorney is filing pro bono; or 2) the majority of your income is from disability, and your family income is no more than 200% of Federal Poverty Level. In either case, documentation MUST be provided verifying these criteria in order for the fee to be waived. View Federal Poverty Level Guidelines (pdf).

*The Executive Office of the U.S. Trustee has approved LSS Financial Counseling Service to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.