According to Baidu legal information, debt planners (also known as debt management consultants or financial consultants) are professionals who provide debt management and consulting services for individuals and enterprises. The network debt planner needs a formal debt planner qualification certificate and business license to carry out debt planning. They usually help customers solve debt problems, such as debt consolidation, credit optimization, repayment plan, etc. Whether it is useful to find a debt planner depends on your specific situation and needs.