Consumer Debt Negotiation & Money Management

There are many Minnesota Credit Counseling Companies with different services and fee structures of not-for-profit and for-profit credit and debt counseling.

Minnesota Credit counseling firms will study the terms dictated by the creditors and explore ways to reduce payments and interest rates to consumers in a debt management plan.

Before entering into a contract agreement with a credit counseling service company, you should shop around and compare services offered by each financial institution and make an educated decision on which one could fit your needs and budget. Also, check with the Better Business Bureau before signing any contract with a CCCS company.


  • Consumer education about how to avoid incurring debts
  • Planned method of debt relief
  • Consolidation of multiple payments into one lower monthly payment
  • Debt Reduction of 10-50%
  • A chance to be debt free in periods of 3 to 6 years
  • Help to bring delinquent accounts current
  • A fresh start and a way to begin building a positive credit history
  • To minimize the impact of the negative marks on your credit scores
  • Help to correctly fill out forms to apply for debt restructuring arrangements or bankruptcy
  • Mediation between creditor and debtor
  • A Debt Management Plan
  • Ways to regain control over their financial situation
  • Smart negotiation with creditors to repay debt by working out a repayment plan
  • Reduced fees and interest rates
  • Fees and interest reduction

The new bankruptcy law of 2005 requires that consumers to go through credit counseling before filing for bankruptcy.

CONSUMER DEBT CONSOLIDATION - Minnesota Credit Counseling Services

Lss Financial Counseling Service, 424 W Superior Street # 600 Duluth, MN 55802-1536 Phone: (218) 529-2227

Consumer Credit Counseling Service 903 W Center Street # 200 Rochester, MN 55902-6278 Phone: (507) 281-6299

123 Credit & Debt Counseling Rochester, MN 55904 Phone: (507) 285-2501

Consumer Credit Counseling Service, 277 Coon Rapids Boulevard NW # 410 Minneapolis, MN 55433-5865 Phone: (763) 780-4986

Consumer Credit Counseling Service 710 S 2nd Street Mankato, MN 56001-3810 Phone: (507) 625-8021

123 Credit & Debt Counseling 221 E Hickory Street Mankato, MN 56001-3610 Phone: (507) 345-1901

Consumer Credit Counseling Service 1875 Northwestern Avenue S Stillwater, MN 55082-7534 Phone: (651) 439-4840

Consumer Credit Counseling Service 424 W Superior Street # 600 Duluth, MN 55802-1536 Phone: (218) 726-4767

Consumer Credit Counseling Service, 2727 San Pedro Drive NE # 117 Albuquerque, NM 87110-3364 Phone: (505) 884-6601

Credit Advisors Foundation Minneapolis, MN 55443 Phone: (763) 566-1234

Familymeans Consumer Credit, 10560 Wayzata Boulevard Minnetonka, MN 55305-1524 Phone: (952) 417-7383

Dakota Credit Service, 6001 78th Avenue N Brooklyn Park, MN 55443-2902 Phone: (763) 561-0505

Credit Repair Service, Minneapolis, MN 55446 Phone: (763) 432-7373

Credit Restoration Ltd 3003 27th Avenue S # 400 Minneapolis, MN 55406-1914 Phone: (612) 724-3168

Credit Counseling Center-America Minneapolis, MN 55402 Phone: (612) 343-0225

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