Scientific and technological services and research and design relating thereto; industrial analysis and research services; design and development of computer hardware and software; computer services, namely, providing temporary use of on-line non-downloadable software for tracking and synchronizing financial, debt and collections data over computer networks for use in the debt collection field; information technology consulting services and providing information regarding electronic technology in the nature of software development via internet delivered applications via an online website for use in the debt collection field; managed application service provider featuring an adaptive and configurable collections services delivered via an application software for use in customizing telecommunication service applications, namely, services for the queuing, handling, logging, recording, monitoring, tracking, supervision, management, routing, reporting, disposition and distribution of telephone calls, text message transmissions, e-mails, and web based message transmissions, for use in the field of debt collection; computer services, namely, providing temporary use of online non-downloadable computer software for receiving, paying, scheduling and managing automated voice messaging for use in debt collection; and providing temporary use of online, non-downloadable automated voice messaging software for receiving, playing, scheduling and managing automated voice messaging for use in debt collection that works with automatic dialers and interactive voice response technology for use in the debt collection field; application service provider, namely, hosting, managing, developing, analyzing, and maintaining applications and software, in the fields of advertising and marketing of third party banking, credit, debt and financial service products and services