CREDIT CARD SOLUTIONS

providing individual consumers with advice, including budgeting advice, counseling and guidance, regarding consumer credit, consumer financial management, consumer financial planning, consumer debt management, and consumer debt consolidation; providing individual consumers with repayment plans for consolidating the loans and debts owed to creditors; financial services, namely, consultation to individual consumers in regard to financial planning, consumer debt management and consolidation of debts owed to creditors, providing individual consumers with information pertaining to consumer credit, consumer financial management, consumer financial planning, and consumer debt consolidation

educational services, namely, conducting classes, seminars, conferences and workshops in the field of consumer credit management, consumer financial management, consumer financial planning and consumer debt consolidation

negotiating with creditors on behalf of individual consumers for reduction and/or consolidation of debts owed to creditors