Providing on-line non-downloadable software for use in bill payment and debt collection services; Providing on-line non-downloadable software for use by educational institutes and their agents to communicate with individuals about past-due tuition and fees and the repayment of past-due tuition and fees; Providing on-line non-downloadable software for facilitating the collection of past-due tuition and fees; Software as a service (SAAS) services featuring software for use in bill payment and d...