System and Method for Debt Presentment and Resolution

A method of resolving a preexisting financial obligation implemented on a computing system, the method comprising:

• causing a server configured to provide a user with an amount of money currently owed by the user to a party;
• causing the server to seek available financial information including information about the user's current financial condition from a source external to the user and the server, and when financial information is available about the user's current financial condition, receiving the available financial information at the server;
• processing available financial information at the server using rules established on behalf of the party;
• and
• causing the server to present a transaction resolution offer set to the user, the transaction resolution offer set comprising at least one individually selectable monetary offer including at least one decisioned monetary transaction resolution term based on the rules established on behalf of the party and available financial information, each individually selectable monetary offer selectable by the user to resolve the preexisting financial obligation by modifying existing terms of the preexisting financial obligation using terms of one individually selectable monetary offer selected by the user.

A method of settling a preexisting financial obligation of a user to a party implemented on a computing system, the method comprising:

• causing a server configured to provide preexisting financial obligation information to the user, including an amount of money currently owed by the user to the party;
• causing the server to seek financial information including information about the user's current financial condition from a financial credit information service such as a credit bureau, and when financial information is available, receiving the financial information at the server;
• processing the financial information at the server using rules established on behalf of the party;
• and
• causing the server to provide a transaction offer set to the user, the transaction offer set comprising at least one individually selectable monetary offer including at least one decisioned monetary settlement term based on the rules established on behalf of the party and the financial information, each individually selectable monetary offer selectable by the user to resolve the preexisting financial obligation by modifying existing terms of the preexisting financial obligation using terms of the individually selectable monetary offer selected by the user.