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Individual Counseling

Because of COVID-19, our services are now available virtually while we keep our physical office closed for the safety of clients, volunteers, and staff.


Individual Counseling

To get started scheduling an appointment, click on the link for the type of appointment you’re interested in, below. We estimate the Intake will take about 30 minutes, and then you’ll be directed to our scheduling page. You may want to have bank/account statements and paystubs handy to complete these questions.

Hit a snag? Email us at info@ontrackwnc.org or call us at 828-255-5166 option 3. If you don’t have the ability to do online forms, please give us a call at 828-255-5166 option 3 so we can mail you physical forms to complete.


Homebuyer Counseling: Meet one-on-one with a HUD-certified counselor to get a better idea of where you stand in the process and what you need to do to achieve homeownership. In this session you will: Learn how much home you can afford; understand how to improve your credit or pay down debt if necessary; and receive comprehensive information about qualifying for affordable mortgages and down payment assistance programs. To get started with Homebuyer Counseling, fill out our Intake Form.

Credit Counseling: If you need help building, improving, or repairing your credit, we are the credit experts to help! In a credit counseling session, our certified credit counselor will review your personal credit report, explain how different items in your credit history are hurting or helping you, and give specific recommendations for actions to take to meet your goals including how to dispute items or accessing low-cost credit building products. To get started with Credit Counseling, fill out our Intake Form.

Emergency Cash Flow Counseling: If you don’t have enough income to cover your expenses, our counselor can work with you to create a two-month cash plan to make sure the most important expenses and bills are covered. Together, we will figure out a plan that will work in real life, not just on paper. To get started with Emergency Cash Flow Counseling, fill out our Intake Form.

Financial Budget Counseling: Ready to get a spending plan that meets your money needs, wants, and goals? Work with us to create a monthly spending plan that takes into account all of your income, expenses, debts, and savings to learn where your money is going now and what you want to do differently so that you can change your money behaviors and achieve your goals. To get started with Financial Budget Counseling, fill out our Intake Form.

Debt Counseling: If you need help figuring out how to pay down your debt or are considering a debt management plan, debt consolidation, or debt settlement, we can help you create a plan to meet your money goals. Our counselor will work with you to create a budget to determine how much money you have available to put towards paying down debt and you’ll review low-cost debt management options that may lower interest, consolidate payments, and eliminate late fees. (Note, this session will not cover specific repayment options for student loans. For more information on student loans, see Student Loan Debt Counseling, below.) To get started with Debt Counseling, fill out our Intake Form.

Foreclosure Prevention Counseling: Are you a homeowner and late on your mortgage payments or concerned about being able to afford mortgage payments in the near future? Meet with a HUD-certified counselor to see what options might be available to you, review the pros and cons of different options and choose your next step based on your personal money and housing situation. To get started with Foreclosure Prevention Counseling, fill out our Intake Form.

Reverse Mortgage Counseling: If you’ve got questions or want to understand more, our certified Reverse Mortgage Counselor can provide a thorough overview and discussion of your option. Set-up an appointment to determine if a reverse mortgage is the right fit for your financial future. $135 due at time of appointment unless the client earns below 200% of poverty and it will be paid at closing. To get started with Reverse Mortgage Counseling, fill out our Intake Form.

Home Equity Counseling: Are you a homeowner who is on time with mortgage payments and have questions about managing your mortgage, Home Equity Line of Credit/2nd mortgage, or home equity? Meet with a HUD-certified counselor to review options for best meeting your financial goals while preserving the equity you have in your home. To get started with Home Equity Counseling, fill out our Intake Form.

Student Loan Debt Counseling: Individual Student Loan Debt Counseling appointments are suspended due to the current COVID pause on federal student loan payments and interest. For our DIY guide on managing student loan debt, click here.


All counseling is currently offered on Zoom (or by phone if you don’t have computer, smart phone, or internet access).

  • Anna Booraem
    Anna Booraem
  • Shanae Johnson
    Shanae Johnson
  • Wayne & Jodi Mott
    Wayne & Jodi Mott
  • William Raynor
    William Raynor
  • Lucia Daugherty
    Lucia Daugherty
  • Julie Perley
    Julie Perley
  • Bailey Gartman
    Bailey Gartman
  • Diana Honeycut
    Diana Honeycut
  • Lisa Gaskin
    Lisa Gaskin
  • Carmen Govea
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  • Kelly Jackson
    Kelly Jackson
  • Jordan Barlow
    Jordan Barlow
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    Jessica Turner and Robert Forbes
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    Emily and Jordan Stanley
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    Marie Collins
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    Brittany Ferguson
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    Latoya Gardner