Debt management system
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United States of America Patent
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N/A
Issued Date -
N/A
app pub date -
Jul 14, 2004
filing date -
Jul 1, 2003
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A debt management system includes a financial planning tool that examines a user's mortgages, home equity loans, auto loans, savings, credit cards, and unsecured debt to determine actions that can be taken to improve the user's debt situation. Upon receiving and saving user financial information, the debt management system dynamically recommends the most cost-effective debt management actions available to the user. The recommendations are based upon one or more parameters, such as desired debt management strategy, optimized user-selected financial goals, user credit information, available debt reduction instruments, real time interest rates, and current underwriting guidelines and upon a variety of user-inputted information. The recommendations of the debt management system are monitored and adaptively changed according to changes in the fiscal environment.
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