Providing temporary use of non-downloadable web-based software as a service for debt resolution and for organizations and individuals to negotiate, settle and collect overdue invoices and uncollectible accounts; Providing online non-downloadable software for debt resolution and for organizations and individuals to negotiate, settle and collect overdue invoices and uncollectible accounts

Financial services, namely, debt settlement and negotiation, namely, debt management and credit counseling, interest rate reduction counseling and debt elimination counseling; providing information and instruction in the field of debt relief and debt minimization