System for transferring an inbond communication to one of a plurality of credit-counseling agencies

  • US 7,827,097 B2
  • Filed: 10/19/2000
  • Issued: 11/02/2010
  • Est. Priority Date: 10/19/2000
  • Status: Active Grant
First Claim
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1. A method of using an apparatus to automatically capture and route a communication, the method including:

  • automatically capturing, with an automatic communication system comprising a computer, a number corresponding to an inbound communication from a debtor of a creditor,automatically attempting, with the automatic communication system, to identify a caller from the number, andautomatically routing, with the automatic communication system, the communication to an outbound communication path, regardless of whether the caller is identified, to one of a plurality of credit-counseling agencies, wherein the routing is responsive to the number, to whether the caller is identified, and to referral criteria of the creditor.

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