Prohibition Against Credit Counseling

No person shall engage in or hold himself out to engage in the business of credit counseling other than:

(1)agencies as authorized by this Chapter;

(2)attorneys-at-law rendering services in the course of their practice;

(3)judicial officers or others acting pursuant to court order or direction;

(4)duly constituted nonprofit legal aid or assistance bureaus; or

(5)persons substantially financed by governmental grants or appropriations but only to the extent of the terms of such grants or appropriations.