A credit counselor is a professional who helps individuals manage their debt and improve their overall financial well-being. They typically work with people who are struggling to pay off their bills or who have fallen behind on their payments, providing guidance and support to help them develop a plan for getting back on track. Credit counselors may also offer advice on budgeting, credit reports, and other aspects of personal finance management. Their goal is to assist individuals in becoming more financially responsible and secure, ultimately improving their quality of life.