Platform as a services (PAAS) featuring computer software platforms for debt and charge-off purchasing; Platform as a services (PAAS) featuring computer software platforms for calculating and analyzing credit worthiness and business risk associated with current, delinquent and defaulted customer consumer credit accounts; Platform as a services (PAAS) featuring computer software platforms for debt recovery, debt purchasing and collection services; Platform as a services (PAAS) featuring computer software platforms for management, administration, processing, and analyzing of delinquent and defaulted accounts; Platform as a services (PAAS) featuring computer software platforms for financial data services in the nature of evaluation of financial credits based on credit bureau data, consumer provided personal financial data, business provided financial performance data, and similar data required for the creation of risk adjusted financial product offerings, internal client data, third-party data, and government and public records, for purposes of managing financial portfolios and mitigating financial risks; Platform as a services (PAAS) featuring computer software platforms for credit card, debit card and bankcard transaction processing services