Answer:
credit counselor
Step-by-step explanation:
A credit counselor is a certified professional whose work entails guiding clients to repay off their debts. A credit counselor is an expert in money management, personal budgeting, and debt control. He or she helps a client develop a debt repayment plan and may negotiate lower interest rates with creditors.
A credit counselor works in a non-profit making organization that offers credit counseling services. They offer advice on finance and money management and educates clients on their preparing personal budget