| 主权项 |
1. Apparatus for debt-extinguishment, comprising;
one or more processors having at least one memory and an interface coupled to the Internet, said one or more processors being configured to:
store in said at least one memory a plurality of sub-models including at least two of (i) litigation likelihood sub-model; (ii) litigation severity sub-model; (iii) customer-ability-to-pay sub-model; (iv) offer-acceptance sub-model; and (v) next best offer sub-model;receive from a debtor computer, through the Internet and said interface, at least one input containing information corresponding to a debt owed by the debtor to at least one creditor;calculate a settlement offer amount, based on (i) a predetermined formula corresponding to said plurality of sub-models, and the (ii) input containing information corresponding to a debt owed by the debtor to the at least one creditor; andcommunicate the settlement offer amount to the debtor computer and to at least one computer of the at least one creditor, the settlement offer amount being such that if accepted by the debtor and the at least one creditor, the debt will be extinguished. |
