CREDITOR INFORMATION INQUIRY AND CONSULTATION; COMPILING AND MAINTAINING A CREDITOR DATABASE; NAMELY PROVIDING A LIST OF CREDITORS AND COLLECTION AGENCIES INCORPORATING THEIR CONTACT DETAILS ALONG WITH CREDITORS DEBT SETTLEMENT POLICIES, MINIMUM PAYMENT REQUIREMENTS, APR REDUCTION AND ACCOUNT RE-AGING, LATE PAYMENT AND OVER LIMIT FEES, CREDIT REPORTING, BUDGET SHEET AND ELECTRONIC PAYMENT REQUIREMENTS, PAYMENT AND PROPOSAL ADDRESSES, FAIR SHARE PERCENTAGE REQUIREMENTS AND PROVIDING DEBT CONSOLIDATION SAVINGS QUOTES COMPUTER SOFTWARE FOR USE IN CREDITOR DATABASE MANAGEMENT AND TRANSACTIONAL SYSTEMS IN THE FIELDS OF DEBT MANAGEMENT, CREDIT COUNSELING, FINANCIAL SERVICES, DEBT COLLECTION, CREDIT REPORTING, CREDITOR REPORTING, MARKETING, SALES, CREDITOR INFORMATION MANAGEMENT, AUTOMATICALLY CALCULATING FINANCIAL RELATED QUOTES, CUSTOMER SUPPORT SERVICES AND TRANSACTION MANAGEMENT