Abstract: A system, method and computer-readable medium for providing a program featuring the re-purposing of consumer assets in a manner which allows the consumer to satisfy existing debt obligations in place with one or more creditors. The system, method and computer-readable medium re-purposes a different set of consumer assets—monthly debt payment savings, consumer necessity buying power, and previously untapped non-dollar assets- to repay creditor debts with a highly affordable and positive consumer solution that frees up cash flow for household necessity shopping and other needs. The system, method and computer-readable medium facilitate the creation of closed loop local market networks that expand to a national network of local market networks that enable consumers to affordably repay delinquent unsecured debts to creditors, including 90+ day delinquent debt.