Automated method and system for consumer financial counseling
First Claim
1. A method for rendering financial counseling services over a global computer network, such method comprising the steps of:
- a. receiving information concerning a debtor'"'"'s financial condition;
b. evaluating such debtor'"'"'s financial condition;
c. recommending a course of action to improve such debtor'"'"'s financial condition; and
d. providing means for generating forms for filing for bankruptcy.
0 Assignments
0 Petitions
Accused Products
Abstract
An automated method and system for analyzing a consumer'"'"'s financial situation and providing tools to assist a consumer and their legal representative in filing for bankruptcy protection. The system comprises an evaluation suite and a bankruptcy filing assistance suite. The system is enabled for use over a global computer network and maintains security of personal information. Tools include attorney directory listing, financial analysis algorithms, forms generator, message handling, license purchase and assignment to clients, and case review. An attorney collaborates with a client to input financial information and generate all forms necessary for filing with a bankruptcy court.
166 Citations
29 Claims
-
1. A method for rendering financial counseling services over a global computer network, such method comprising the steps of:
-
a. receiving information concerning a debtor'"'"'s financial condition;
b. evaluating such debtor'"'"'s financial condition;
c. recommending a course of action to improve such debtor'"'"'s financial condition; and
d. providing means for generating forms for filing for bankruptcy. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9, 10, 11)
-
-
2. The method according to claim 2, wherein:
a. such global computer network comprises the Internet.
-
12. A system for rendering financial counseling services over a global computer network, such system comprising:
-
a. means for a debtor to input such debtor'"'"'s financial information;
b. means for receiving such debtor'"'"'s financial information;
c. a first database for storing such debtor'"'"'s financial information;
d. means for evaluating such debtor'"'"'s financial condition;
e. means for recommending a course of action to improve such debtor'"'"'s financial condition; and
f. means for generating forms for filing for bankruptcy. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 22, 23, 24, 25, 26, 27, 28, 29)
-
-
21. The system according to claim 21, wherein:
-
a. such means for calculating such debtor'"'"'s solvency;
b. such means for calculating such debtor'"'"'s qualification for a 36-month debt recovery plan;
c. such means for calculating such debtor'"'"'s qualification for a 60-month debt recovery plan; and
d. such means for calculating such debtor'"'"'s qualification for an attorney assisted settlement plan comprise computing means.
-
Specification