• Debt relief companies can help Minnesota residents pay their bills.Minnestoa state contour against blurred USA flag image by Stasys Eidiejus from Fotolia.com
  
  In Minnesota, state law requires most companies that offer debt relief to either register with or be licensed by the Minnesota Department of Commerce. Legitimate debt relief programs assist clients by offering a full range of financial counseling services, budget planning, and, if appropriate, debt management programs. There are several such organizations in Minnesota, each offering in-person as well as online services.
  
  

Consumer Credit of Minnesota

• Consumer Credit of Minnesota offers its clients both budget counseling as well as a debt management program for those who need it. Credit counselors will speak one-on-one with clients about their spending habits and financial needs. Counselors also will help clients in setting up a workable budget. If a client needs additional help in paying bills, Consumer Credit of Minnesota will work with creditors to get reductions in interest rates and fees and set up clients on a payment plan.
  
  Consumer Credit of Minnesota
  5871 Cedar Lake Road
  Suite 105
  St. Louis Park, MN 55416
  952-544-6800
  ccofminnesota.com
  
  

FamilyMeans Consumer Credit Counseling Service

• FamilyMeans is a full-service counseling agency that offers a variety of mental health and family support services. FamilyMeans provides clients with financial education, budget planning, and a debt management program if appropriate. In the debt management program, FamilyMeans negotiates lower interest rates and fees with unsecured creditors and clients begin to pay off their debts through monthly payments to FamilyMeans.
  
  FamilyMeans Consumer Credit Counseling Service
  1875 Northwestern Avenue S.
  Stillwater, MN 55082
  651-439-4840
  familymeans.org
  
  

The Village Financial Resource Center

• The Village Financial Resource Center offers face-to-face financial counseling in its several centers located in Minnesota and South Dakota. It also offers online counseling for those who are unable to meet with a counselor in person. The Village Financial Resource Center offers several different types of financial counseling services, including premarital financial counseling, bankruptcy counseling, housing and foreclosure counseling, as well as debt management services.
  
  The Village Financial Resource Center
  (several locations throughout Minnesota and North Dakota)
  800-450-4019
  helpwithmoney.org