Financial consultation services including consumer credit and debt management counseling in the areas of credit acquisition, restoration, and re-establishment, debt reduction, debt consolidation, financial planning, money management, budgeting, credit repair, credit reporting systems, evaluation of credit reports, negotiation with creditors and collection agencies, bankruptcy, real estate rental and ownership, mortgages, land trusts, trustee services, title insurance, escrow, account servicing, automobile leasing and ownership, automobile finance, credit cards, debit cards, cash cards, automated teller machines, Internet service providers, cellular telephone service providers, health insurance, life insurance, homeowner's insurance, car insurance, banking, checking, savings, investment strategies, estate planning, accounting, taxation, check cashing, car title loans, and payday loans; real estate services to provide solutions for individuals with distressed credit or otherwise facing financial difficulties, namely, mortgage banking, mortgage lending, mortgage brokerage, real estate brokerage, real estate agency, investment and trust company services in the nature of arranging land trusts to facilitate real estate investment by non-resident trust beneficiaries and housing for resident beneficiaries with distressed credit; real estate trustee services, maintaining mortgage and real estate escrow accounts; arranging for title insurance for others and real estate management; financial services to provide solutions for individuals with distressed credit or otherwise facing financial difficulties, namely, banking, check cashing, credit card services, debit card services, stored value card services, automated teller machine services, acquisition and transfer of monetary claims, bill consolidation services, bill payment services, discount securities brokerage, automobile financing, equipment financing, lease-purchase financing, money order services, money transfers, foreign exchange transactions, electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet, insurance agency and brokerage, and the formation, offering, and management of limited partnerships; member services to provide solutions for pools of individuals with distressed credit or otherwise facing financial difficulties, namely, administration of preferred provider plans in the field of health care