发明名称 |
Combined debt consolidation and settlement program |
摘要 |
A customer is assisted in recovering from indebtedness by combining a debt consolidation/settlement program with an installment loan. The customer is qualified for an installment loan with a value based on the amount of outstanding indebtedness or possibly based on the anticipated discounted balance. The customer is required to make payments into an escrow account for a period of time to ensure that the customer is credit worthy. One or more of the creditors are then approached in an effort to negotiate a discounted settlement amount in exchange for the reception of immediate reconciliation of the debt owed. A portion of the negotiated discount is retained for compensation, which can be provided to the debt settlement provider and/or the bank finding the installment loan. The balance is passed through to the customer.
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申请公布号 |
US7676410(B2) |
申请公布日期 |
2010.03.09 |
申请号 |
US20060433726 |
申请日期 |
2006.05.12 |
申请人 |
COMPUCREDIT INTELLECTUAL PROPERTY HOLDINGS, CORP.II |
发明人 |
PETRALIA KATHRYN |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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