Methods and Apparatus for Directing Consumers to Debt Settlement Providers
First Claim
1. A method of directing a consumer having a delinquent loan to a debt settlement provider, the method to be performed by a data processing system comprising a data processor in signal communication with a memory, the method comprising the steps of:
- obtaining a credit report for the consumer reflecting at least a portion of the consumer'"'"'s credit history;
determining the delinquent loan of the consumer directly from the credit report; and
transmitting information about the consumer and the delinquent loan to the debt settlement provider.
2 Assignments
0 Petitions
Accused Products
Abstract
A consumer having a delinquent loan is directed to a debt settlement provider by a data processing system comprising a data processor in signal communication with a memory. Initially, the data processing system obtains a credit report for the consumer reflecting at least a portion of the consumer'"'"'s credit history. The data processing system then determines the delinquent loan of the consumer directly from this credit report. Finally, the data processing system transmits information about the consumer and the delinquent loan to the debt settlement provider.
77 Citations
18 Claims
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1. A method of directing a consumer having a delinquent loan to a debt settlement provider, the method to be performed by a data processing system comprising a data processor in signal communication with a memory, the method comprising the steps of:
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obtaining a credit report for the consumer reflecting at least a portion of the consumer'"'"'s credit history; determining the delinquent loan of the consumer directly from the credit report; and transmitting information about the consumer and the delinquent loan to the debt settlement provider. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A data processing system operative to direct a consumer having a delinquent loan to a debt settlement provider, the data processing system comprising:
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a memory portion; and a data processor portion in signal communication with the memory portion, the data processor portion operative to obtain a credit report for the consumer reflecting at least a portion of the consumer'"'"'s credit history, determine the delinquent loan of the consumer directly from the credit report, and transmit information about the consumer and the delinquent loan to the debt settlement provider. - View Dependent Claims (13, 14, 15, 16, 17)
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18. Computer instructions embodied on one or more computer-usable media for directing a consumer having a delinquent loan to a debt settlement provider, the computer instructions, when executed by a computer having a data processor in signal communication with a memory, operative to cause the computer to perform the steps of:
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obtaining a credit report for the consumer reflecting at least a portion of the consumer'"'"'s credit history; determining the delinquent loan of the consumer directly from the credit report; and transmitting information about the consumer and the delinquent loan to the debt settlement provider.
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Specification