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... 10 In Issue A(2), Husband asserts that all of the parties' credit card debt should not have been
apportioned to him. According to Husband, if the Master's goal was a 50/50 split of the marital
estate, he should have assigned half of the $10,584.00 credit card debt to Wife. ...
... Act 117 also defines "debt settlement services" as: [a]n action or negotiation made on behalf
of a consumer with that consumer's creditors for the purpose of the creditor forgiving part or all
of the principal of the debt incurred or credit extended to that consumer. ...
... ("CFS") appeals from the judgment entered in favor of Ms. Larry Smith ("Ms. Smith") in this action
to collect a credit card debt.  We affirm. ... By March 2002, Ms. Smith was approximately $2,000
in debt on her credit card account. CFS buys and collects debts. ...