In-person counseling is available to all WNC residents Monday-Thursday.
Virtual & phone counseling is available Monday-Friday.
Click on the counseling type below that you are interested in to fill out an online intake form. The information in your intake form helps our counselors prepare for your appointment and allows you to spend the full appointment time talking about the issues that are most important to you. The form includes questions about income, expenses, debts and goals, and it takes about 15 minutes to complete. You must complete an intake form prior to booking a counseling appointment.
Have you seen us for Counseling Services in the past 6 months? Have questions? Email us at info@ontrackwnc.org or call us at 828-255-5166. We may be able to save you some time!
Do you want help making a budget, paying down debt, or charting a path to meet your financial goals? Our counselors will help you craft a personalized plan. This service is also for those impacted by Hurricane Helene who rent or own a home but don't have a mortgage.
Do you need help building, improving, or repairing your credit? There's a lot of misinformation about credit repair out there. Our counselors strategize with you to improve your scores using financial best practices.
Foreclosure Prevention Counseling
Are you a homeowner and late on your mortgage payments or concerned about being able to afford your home in the near future? Our caring counselors will help you negotiate with your lender every step of the way. This service is also for those impacted by Hurricane Helene that are concerned about paying a mortgage in the aftermath of the disaster.
Are you interested in learning more about the homebuying process? Are you ready to buy a home in the next year or two? Our counselors demystify this complicated process while helping you prioritize your immediate next steps.
- Your lender may require both counseling and education certificates for your mortgage. We offer an on-line and in-person option for your required homebuyer education.
