Services provided to financial institutions, lenders, creditors, and other businesses, namely, debt recovery services, debt collection, debt purchasing services for others in the nature of purchasing accounts receivable of others, debt administration services in the nature of debt settlement services, electronic payment processing of debt settlement claims; accounts receivables management services in the nature of accounts receivables financing and collection, bill payment services, and accounts receivable financing services regarding performing, non-performing, charged-off, insolvent, or bankrupt account receivables management services; Services provided to financial institutions, lenders, creditors, and other businesses, namely, debt recovery services, debt collection, debt purchasing services for others in the nature of customer debt account resolution; providing data algorthms and models for use in debt recovery