214.12.A debt settlement service merchant is a person who offers to enter into or enters into a contract with a consumer that has the following object:
(a) to negotiate the settlement of the consumer’s debts with creditors;
(b) to receive amounts from or for the consumer in order to distribute them to the consumer’s creditors;
(c) to improve the credit reports prepared about the consumer by a personal information agent within the meaning of the Act respecting the protection of personal information in the private sector (chapter P-39.1); or
(d) to provide the consumer with education or raise the consumer’s awareness regarding budget management or debt settlement.