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Financial budget help7/10/2023 ![]() ![]() If you are seeking guidance for student loan debt or housing issues, please call us at 888.577.2227 to schedule a phone appointment. Finally, a counselor will email you within two to three business days to provide options and work with you to determine next steps to reach your goal(s).Once submitted, your financial profile cannot be changed or updated. Then provide the amount of your household take-home income, balances and payment amount for credit card and unsecured debts, and monthly expenses.Next, share your financial goal(s) and any other information you believe would assist us in understanding your financial circumstances.Create your financial profile online any time of day with an email address and a password.Or set up an in-person appointment at one of our locations. Phone, Virtual or In-Person AppointmentĬall 888.577.2227 to schedule a phone or virtual appointment at a time convenient for you. In addition, American Sign Language (ASL) interpretation is available as needed. ![]() We have counselors who are fluent in Spanish and Hmong. For in-person appointments view our office locations to find a location near you! Our free and confidential services are available nationwide by phone or virtually. If you would like to learn more about the services we provide or how to start receiving support, please call 888.577.2227, email us or complete our short contact form. ![]() Another benefit was a substantial increase in my credit score, allowing me to refinance my home at a much lower rate and saving me even more money.” My credit card debt is now all paid off! It is very freeing to know that that this burden is now gone, and I can take the money I was using to pay down the debt and start building up again. I chose to pay off the by making larger payments over several months. Because my job was stable, I had a fair amount of savings, and my debt was perpetually accruing interest, he suggested that I focus on the debt and suggested options for doing so. My financial counselor was great he was pleasant and reassuring. I became uncomfortable with it, and when I found out about LSS Financial Counseling through my employer, I reached out for support and advice. “I had carried a large amount of credit card debt for quite some time, and it never seemed to go down much, and often would increase incrementally. “It’s been a pleasure working with LSS! Literally changed my life”. Seeing my credit rating go up as the balances went down - that was sweet, too.” – Tim With the reduced interest, it was amazing how fast the bills got paid off – and ahead of schedule. All of my debt was consolidated into one monthly payment. It felt like a lifeboat had come into my life. I started talking to one of LSS’ financial counselors, and I was ready to listen to anything she had to say. I was Googling ‘bankruptcy. I was frightened, and what was worse, I was ashamed. While juggling payments I worked a second job. I would be so honored if this statement could help even just one person make the decision to work with LSS.” LSS was my lifeline when there was no other place to turn. I am so sick of the vicious cycle and I can’t even tell you the tears I have shed over my financial situation. Three years from now I could be debt free!! That is my new focus! And my goal will be to NOT take out or charge any new debt on credit cards. “I am on a Debt Management Plan with LSS and I have to tell you, I got teary eyed when I read my statement today. I was empowered beyond anything I could have imagined! I have paid off my debt and my physical health has improved tremendously.” My doubts were immediately put to rest! She didn’t judge me, ensured me I was not alone and that my financial well-being was indeed repairable. I didn’t want to do financial counseling because I didn’t want to be scolded and I felt a lot of shame and guilt. “I needed to take ownership of my debt as it was starting to affect my health. “With guidance from LSS Financial Counseling my credit card debt is being paid down. ![]()
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