LSS Financial Counseling

"...I know that money is a big stress on a relationship. LSS has helped our marriage start with openness about finances and they continue to help us find ways to work together to set financial goals. I feel confident that we can pay off our debt. It feels good to put all the credit cards away and just pay cash for what we need. I must admit that I do long to shop more on occasion, but having financial goals keeps me focused on what is important. We look forward to celebrating the payoff we can achieve with LSS’ help." —Pastor Sarah L. Kerkes from Our Savior’s Lutheran Church in Superior, WI

To schedule a confidential and free appointment in Wisconsin and Upper Michigan, call (888) 607-6775.  Anywhere else in the U.S., call the general scheduling number (888) 577-2227. Evening and Saturday appointments are also available. LSS Financial Counseling is also offered online at www.cccs.org. Once you complete the online version, a counselor will contact you within three days.

NFCC certified financial counselors assist individuals with planning and responding to financial struggles in their lives by offering free, comprehensive financial assessments and then targeted counseling around issues like credit card debt, housing, student loans, taxes, credit reports, bankruptcy, reduced income or unemployment and more! Individuals receive a written action plan after the counseling, appropriate resource referrals, as well as an opportunity to schedule another appointment or follow up as needed.

Services provided include:
 

• Budget Counseling

  • Build a spending plan with your circumstances and long-term goals in mind
  • This includes targeted counseling around topics of most concern to you

• Credit Counseling and Debt Management Plans 

  • Set course to get totally free of unsecured debt
  • See if a Debt Management Plan (DMP) can save you money, get your debt on a good track, and if this is a good option for you (there is a small fee attached to this counseling and will be explained at the time)

• Bankruptcy Counseling

  • Both pre-filing counseling and pre-discharge education are required if you are going to file and LSS Financial Counseling can help (there are small fees attached to this counseling)

• Credit Report Review

  • Coaching on how to pull and read your personal credit reports as well as steps you can take to improve your report and your own credit score

• Reverse Mortgage Counseling

  • For seniors who are considering this option with their home

• Educational Presentations

  • For social service organizations, schools and community groups