A program of Lutheran Social Service of Minnesota. Financial counseling is available from Duluth. LSS is not able to provide these services from it’s Bemidji office.
Budget and Debt Counseling: Trained counselors help you develop a workable budget and an action plan to address all of your debts, and provide coaching and nonjudgmental counseling on all your options for debt repayment based on your individual situation. Services are free.
Debt Management Plan: A good solution if you are being buried in late fees and high interest or even if you are on time but just making no headway in paying down your debts. On a debt management plan you pay your creditors through one payment each month to LSS, allowing a faster way to get debts paid off.