Providing temporary use of on-line non-downloadable software and applications for managing accounts receivable and debt recovery, law firm practice management, and for tracking employee training, employee testing, complaints, resolutions, vendors, hardware and software security patches and audits, and collections-specific data points in the field of managing accounts receivable and debt recovery such as call recordings; Software as a service (SAAS) services featuring software for managing accounts receivable and debt recovery, law firm practice management, and for tracking employee training, employee testing, complaints, resolutions, vendors, hardware and software security patches and audits, and collections-specific data points in the field of managing accounts receivable and debt recovery such as call recordings