System and Method for Debt Presentment and Resolution

A system for settling a debt owed by a user to a party, comprising:

• a server configured to seek available credit information regarding the user from a source separate from the user, wherein the available credit information regarding the user comprises financial information about the user's current financial condition, and
• when available credit information is obtainable regarding the user, receiving the available credit information at the server, wherein the server comprises:
• a rules engine configured to receive the available credit information and process available data using rules established on behalf of the party;
• and
• wherein the server is configured to present the transaction settlement offer set to the user, the transaction settlement offer set comprising at least two individually selectable monetary offers each comprising different decisioned monetary settlement terms specifically determined for the user based on the rules established on behalf of the party and data processed from the available credit information based on the rules established on behalf of the party, each individually selectable offer selectable by the user to establish settlement of the debt by modifying existing terms of the debt without providing a new debt instrument to the user using terms of the individually selectable monetary offer selected by the user, and wherein upon selection of one offer by the user, the server obtains user payment information and processes at least a portion of the one offer selected by the user.

A system for settling a debt existing between a debtor entity and a creditor entity, comprising:

• a server configured to establish contact with and receive information from the debtor entity and further configured to seek financial information from a source separate from the debtor entity regarding the debtor entity's current financial condition, the financial information comprising a credit report for the debtor entity, the server comprising:
• a rules based engine configured to receive data comprising at least a portion of any credit report obtained and other financial information pertinent to the debtor entity, the rules based engine configured to process the data using rules established by the creditor entity;
• wherein the server is further configured to present a transaction settlement offer set to the debtor entity, the transaction settlement offer set comprising at least two individually selectable monetary offers each comprising different decisioned monetary settlement terms specifically determined for the user based on the rules established by the creditor entity, the portion of any credit report obtained, and other financial information pertinent to the debtor entity including information about the debtor entity's current financial condition, each individually selectable monetary offer selectable by the debtor entity to establish settlement of the debt by modifying existing terms of the debt without providing a new debt instrument to the user using terms of the individually selectable monetary offer selected by the user, and wherein upon selection of one offer by the user, the server obtains user payment information and processes at least a portion of the one offer selected by the user.