Lutheran Social Services of South Dakota

Financial Counseling & Education

Debt Management Plan

Regardless of income, research has shown that many people need help managing their money. When faced with these challenges, Consumer Credit Counseling Service will immediately start working with your creditors to develop a Debt Management Plan that may reduce your monthly payments and stop collection activity. This program allows you to make one monthly deposit to CCCS, which will be disbursed to all of your creditors.

If you feel you might benefit from the Debt Management Plan, you can talk to a Certified Credit Counselor in person, by telephone or through on-line counseling.

Counselors provide a confidential, thorough review of monthly living expenses and outstanding debts. In addition, they will develop a detailed action plan outlining steps to accomplish your financial goals.