Here are some tools and resources to help you get out of debt.
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% interest rate. They support individuals as they pay off these debts through fair and manageable repayment plans.
Nationwide Multistate Licensing System – Find out if your payday lender is licensed in Minnesota.
Minnesota Department of Commerce – File a complaint about your payday lender.
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.
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