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Personal Finance
 
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Contact

Financial Empowerment Services
651-554-5763
financialempowerment@co.dakota.mn.us

  • Financial Counseling
  • Everyday Personal Finance
  • Facing a Financial Crisis
  • Getting Out of DebtCurrently selected
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Getting Out of Debt

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​​Here are some tools and resources to help you get out of debt.

Payday loans

  • Exodus Lending – Dedicated to helping Minnesotans break free from payday loan debt through interest-free refinancing. Predatory lending is a significant problem with more than a 300-percent interest rate​. They support individuals as they pay off these debts through fair and manageable repayment plans.​
  • Minnesota Department of Commerce – File a complaint about your payday lender.

Credit cards

  • AnnualCreditReport.com - Know what's on your credit report by obtaining a free copy of your credit report from each reporting company. Visit the website or call 1-877-322-8228. 
    • During the COVID-19 pandemic, you can check your credit report once a week for free
  • Lutheran Social Services Financial Counseling – Services available for those having trouble paying down debt. There is a fee for this service.
  • Minnesota Attorney General – Listed resources are available to all residents of Minnesota to help with their credit and debt.

Budget

  • Creating a Budget – Consumer Finance Protection Bureau offers resources to help you create a budget and stick to it. If you need help understanding this resource Financial Empowerment can help. Schedule an appointment.
  • Behind of Bills – CFPB offers the resources to help you with a plan to get caught up on bills.
    • This class is offered by Financial Empowerment, and we can help clients one-on-one to help them succeed in getting their bills in order.         
      Request an appointment
 

        

 

Last updated: 8/29/2023 2:05 PM

Administration Center
  • 1590 Highway 55
  • Hastings, MN 55033
  • Ph: 651-437-3191
  • Toll free: 800-247-1056
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