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  

 

LSS FINANCIAL COUNSELING SERVICE
A CONSUMER CREDIT COUNSELING SERVICE PROGRAM

  

Budget Counseling

Living paycheck to paycheck? Wonder where all your money goes? Worried about debts?

Developing a workable budget is the first step to good money management.

Our certified financial counselors will help you create a realistic spending plan and an action plan to improve your financial situation. This is a free service and all information remains confidential.

Over your head in debt or making no progress? We'll help you find options, including our Debt Management Plan to repay debt faster.

Get started today! Gather your basic information shown in the list at the right. Then contact us so we can serve you any of three ways:  

1. In-person counseling: Call 888-577-2227 to schedule an appointment at any of our eleven locations
    
2. Phone counseling: Call 888-577-2227 to schedule an appointment time when our counselors can complete the session by phone and mail your budget
    
3. Online counseling: If you are unable to come to one of our office locations, or choose to submit your information via the Internet, you may select our online counseling link (see below.) Once there, simply follow these steps:
   • Create your unique user name and password so you may return to the site to review your information.
   • Select "Budget Counseling" from the drop-down box.
   • Read Statement of Counseling Services and complete all required information. To better assist you, it's important that you provide your counselor with as much information as you can.
   • Submit your information after you complete all pages!
   Click here to go to online counseling.
   
   NOTE: If you have an email system that filters incoming messages, you may need To adjust your filters or check your "bulk" mail folders to be sure you get our reply!