A qualified credit counselor is an individual who has received specialized training and meets certain requirements to provide guidance, advice, and education on financial management and debt reduction strategies. Full definition
Farmers Agents and employees are not qualified credit counselors. (farmers.com)
If paying off credit card debt or other consumer debt is your biggest financial need, you're better off working with a qualified credit counselor than a financial planner. (businessinsider.com)
For information on contacting a qualified credit counselor, ask your lender or call the United States Department of Housing and Urban Development's counseling hotline at for a list of counselors. (guidetolenders.com)