Budget Frequently Asked Questions

  1. How long is a counseling session?
  2. Is there a charge for counseling?
  3. Are services confidential?
  4. Can I fax, email or submit my information online?
  5. Is my information secure?
  6. What happens after counseling?
  7. What about support?
  8. How do I start?
  9. Tips?

  • How long is a counseling session?

A budget counseling session typically lasts 45-60 minutes; however, you can call and speak to a counselor—even with only a few minutes. Our hours are Monday – Thursday 8AM to 10PM Friday 8AM to 8PM, and Saturday 9AM to 5PM. Additionally, you can submit questions on the form to the right.

  • Is there a charge for counseling?

No, there is no fee for a budget counseling session. Should you decide to enroll in one of our on-going services, such as a Debt Management Program, there is typically an enrollment fee and a monthly maintenance fee.

  • Are services confidential?

Confidentiality and privacy are fundamental to our services. Your participation in a counseling session is never reported unless agreed to by you. We do not report to credit reporting agencies. If you choose to enroll in a Debt Management Plan, the we will request your permission to negotiate with your creditors. See our privacy policy.

  • Can I fax, email or submit my information online?

Yes. Fax: 704-973-9462 Email: counseling@knowdebt.org Online: Use the form on the right, or complete the form on this page.

  • Is my information secure?

Yes, our organization is committed to maintaining your privacy and confidentiality. See our privacy policy. We take numerous measures to protect your information and related data.

  • What happens after counseling?

Our professional, certified counselors will assess your financials, creating a spending plan, and discuss options for resolving your specific issues and provide a written action plan.

  • What about support?

Our support counselors are available to help you achieve your financial goals. We can provide feedback, suggestions, review options, provide specific advice on dozens of financial areas, and help you get the most from your efforts.

  • How do I start?

Complete the online counseling form or call a counselor directly. To expedite either counseling process, have the most recent creditor statements, bank statements, and checkbook available for reference,

  • Tips?

Having your most recent documents, such as creditor statements, check book or bank statement, available for review or reference can help reduce the time and improve accuracy.