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CREDIT COUNSELING AND DEBT MANAGEMENT SERVICES, NAMELY TO COUNSEL, GUIDE AND ASSIST INDIVIDUALS IN THE AREAS OF CREDIT, DEBT, MONEY MANAGEMENT, DEBT CONSOLIDATION, FINANCIAL PLANNING, FINANCIAL BUDGETING, DEBT HANDLING, DEBT COLLECTION, FINANCIAL CRISIS, FINANCIAL RECOVERY, DEBT COUNSELING, DEBT REPAYMENT PLANNING, FINANCIAL CONSULTATION, DEBT RECOVERY, DEVELOPING AND IMPLEMENTING FINANCIAL SOLUTIONS FOR INDIVIDUALS FACING FINANCIAL DIFFICULTIES VIA A GLOBAL COMPUTER NETWORK