CREDIT COUNSELING, FINANCIAL PLANNING AND DEBT MANAGEMENT SERVICES, NAMELY, ADVISING CONSUMERS AND PROVIDING INFORMATION TO CONSUMERS ON THE TOPICS OF CREDIT AVAILABILITY, CREDIT EDUCATION, CREDIT RATINGS, CREDIT REPORTS AND CREDIT COUNSELING; PROVIDING CREDIT INQUIRY AND CONSULTATION SERVICES IN THE NATURE OF CREDIT COUNSELING; DEBT AND CASH FLOW MANAGEMENT SERVICES; AND PROVIDING DEBT REDUCTION ASSISTANCE TO CONSUMERS IN THE AREAS OF BUDGETING, EVALUATION OF CREDIT BUREAU DATA AND CREDITWOR...