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Budget and debt counseling

Available at no cost through LSS Financial Counseling Service

If you are facing a difficult financial situation or need basic financial counsel about a mortgage, your credit report, student loans or even the household budget, Everence offers a compassionate and thoughtful service that can help.

Confidential budget and debt counseling from a certified credit counselor (up to six sessions) is available to you at no cost through an arrangement Everence has with LSS Financial Counseling Service, a service of Lutheran Social Services of Minnesota. Everence members who have signed up for the LSS Debt Management Program have paid off $1,024,638 of debt over the life of the LSS-Everence partnership.

To use this service, call toll-free (877) 809-0039, or for Spanish-speaking phone counselors, call (855) 292-0131. LSS also offers counseling services through mail correspondence for Amish and related faith communities. Call LSS or your local Everence office to use this method of service.

LSS can help you work through financial issues

  • Losing a job - read Financial guidelines for dealing with job loss
  • Money management and budgeting
  • Credit reports and credit scores
  • Debt and repayment plans: Not ready to make the call to LSS? Try reading their blog - "Conquer your debt"
  • Student loan repayment
  • Identity theft
  • Vehicle purchase questions and loans
  • Home buying and mortgages

LSS is one of the nation’s leading consumer credit counseling agencies and has a 20-year history of successfully providing assistance on a wide range of financial issues.

Read testimonials of people who have used LSS.


This website link is being provided as a courtesy. Everence’s broker-dealer ProEquities makes no representation as to the completeness or accuracy of information at this website. Nor is the company liable for direct or indirect technical or system issues or consequences arising out of your access to or your use of third-party technologies, sites, information and programs on this website. When you access this website, you assume total responsibility and risk for your use of the site. LSS Financial Counseling is independent of ProEquities Inc.

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