LSS Financial Counseling Services

Lutheran Social Service of Minnesota is proud to offer
financial counseling in the following locations:
Brainerd
East Brainerd Mall, 716 E Street,
Brainerd, MN 56401
Duluth
424 West Superior Street, Suite 600
Duluth, MN 55802
Mankato
710 S Second Street
Mankato, MN 56001
Minneapolis
The Center for Changing Lives
2400 Park Avenue
Minneapolis, MN 55404
St. Louis Park
Community Action Partnership for
Suburban Hennepin
8800 Hwy 7, Suite 401
St. Louis Park, MN 55426
LSS financial Counseling Services is a non-profit,
nationally-recognized service that will help you gain
control of your finances and your life.
LSS Financial Counseling receives voluntary
contributions from creditors who participate in Debt
Management Plans (DMP). Since creditors have a
financial interest in getting paid, most are willing
to make a contribution to help fund LSS’ program.
However, LSS will work with all creditors regardless
of whether they contribute, and your accounts with
your creditors will always be credited with one
hundred percent (100%) of the amount you pay
through LSS.
1-800-528-2926
www.TopLinecu.com
Scan here for financial
counseling details.
St. Paul
East Street Financial Center
965 Payne Avenue
St. Paul, MN 55130
St. Paul
1605 Eustis Street
St. Paul, MN 55108
LSS Financial Counseling Services is a program of Lutheran Social
Services of Minnesota which serves all people regardless of race,
color, creed, religion, national origin, sex, sexual orientation,
disability or age.
Virginia
Mesabi Range Community & Technical College
1001 Chestnut Street W.
Virginia, MN 55792
Willmar
Appletree Square,
1601 Hwy 12 East, Suite 6
Willmar, MN 56201
For information or appointments in all locations:
1.800.528.2926 www.TopLinecu.com
LSS Financial
Counseling Services
“Helping you gain control
of your finances.”
TopLine Federal Credit Union
NMLS #654913
Phone
Toll-free
Fax
Website
Email
Mobile
763-391-9494
800-626-1448 763-391-0829 www.TopLinecu.com
Ask@TopLinecu.com
m.TopLinecu.com
TopLine does business in accordance with the Federal Fair Lending Laws and Equal Credit
Opportunity Act. Federally insured by NCUA. © TopLine Federal Credit Union. All rights reserved.
Printed in the U.S.A. ® Registered trademark of TopLine Federal Credit Union.
Delivering TopLine personal service people can bank on.
TopLine and LSS Financial
Counseling Services.
LSS Financial Counseling Services is a nationally
recognized Minnesota non-profit organization who
provides access to free financial education services
to better manage your personal finances.
Being a member of TopLine Federal Credit Union
gives you and your family access to up to six (6) free
confidential financial education counseling sessions
annually with a certified consumer credit counselor.
Sessions are available by phone, in-person or online.
Budget Counseling
Living paycheck to paycheck? Ever wonder where all
your money goes?
Budget counseling is available to anyone concerned
about their financial situation or having difficulty with
debt. A certified counselor will help you achieve your
financial goals by assisting in developing a workable
spending plan and identifying issues to help you
become a better money manager.
Debt Management*
Worried about your credit card debt? Creditors
demanding more than you can pay each month?
Certified counselors will provide tips on how to deal
with collectors, consumer rights and debt repayment
options including Debt Management Plans.
A Debt Management Plan (DMP) may be the answer
if your income allows you to meet your day-to-day
living expenses and leaves enough for reasonable
payments to creditors.
With a DMP you pay your creditors through one
monthly payment to LSS Financial Counseling.
Because they are more likely to be paid in full, most
creditors will stop any late fees and reduce interest
rates. And free, ongoing financial counseling will help
you build financial success.
Credit Reports and Scores
Understanding what’s in your credit report and score
is an important part of managing your finances.
LSS offers a free Credit Report Review service. And, if
needed, the certified counselors can even help you
obtain a copy of your credit report and score.
Housing Counseling
Looking at becoming a home owner? Having
trouble keeping up with housing expenses?
Wondering if refinancing is a good idea?
Combining housing education with budget
counseling, LSS certified counselors can assist
with housing questions, including pre-purchase,
delinquency or foreclosure. Counselors are also
approved to provide assistance to senior citizens
who may be considering a reverse mortgage.
Financial Education
Interested in preventing financial problems? Ever
thought about your money personality?
LSS provides a variety of educational workshops
relating to money management for all age
groups. Sessions include: consumer protection
and identity theft, living on a reduced income during
transitions, building good credit and more. Visit
www.TopLinecu.com to view upcoming sessions.
Student Loan Counseling
Worried about student loan debt? Learn all your
options, so student loan repayment can be a realistic
plan, not a worry.
Additional Counseling Services include:
Student loan review
Vehicle loan review
Protecting and resolving identity theft issues
*Fees may apply for this service. Call 1-800-528-2926 for
more details.
Money problems can happen to anyone.
Ignoring financial problems won’t make
them go away.
Today with more financial obligations and options
than ever before, managing your money can feel like
walking through a maze. TopLine Federal Credit Union
along with our partners at LSS Financial Counseling
Service are here to help you get through the maze and
better manage your personal finances. As a TopLine
member you have access to six free confidential
services through LSS Financial Counseling annually.
LSS will observe the provisions of the Data Privacy Act,
HIPAA, Gramm-Leach-Bliley Act and other Minnesota
state law regarding clients and their records. All
information provided to LSS remains confidential and
will be used only to serve the client.
1-800-528-2926
www.TopLinecu.com
www.lssmn.org