For someone struggling financially, what professional should they contact for legitimate assistance?

A credit counselor is the most appropriate professional for someone struggling financially because their primary role is to provide guidance and support specifically related to managing personal debt and improving financial health. They often help individuals create budgets, negotiate with creditors, and develop debt management plans, all tailored to address financial struggles effectively. Credit counseling services are designed to assist people in navigating challenges such as overwhelming debt, poor credit, and financial distress.

In contrast, the other professionals listed do not focus primarily on addressing immediate financial difficulties. A financial advisor typically assists clients with investment strategies and long-term financial planning, which may not be suitable for someone needing immediate help with debt management. An investment banker focuses on larger financial transactions and corporate finance rather than individual financial struggles. Lastly, a personal trainer specializes in physical fitness and health rather than financial well-being, making them an unsuitable choice for someone looking for help with financial issues.