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.

CROSS-REFERENCES: For the latest law on who may and may not practice law, and what that constitutes, see 7 Guam Code Ann., Chapter 9A.