Abstract: An apparatus can include: a defined contact module configured to run on at least one processor and further configured to allow a borrower to identify approved communications mechanisms, the approved communications mechanisms comprise allowed methods of communication from one or more creditors to the borrower; a legal notification generation module configured to run on the at least one processor and further configured to generate one or more appropriate legal notifications to the one or more creditors based upon the approved communications mechanisms; a legal notification delivery module configured to run on at least one processor and further configured to facilitate the delivery of the one or more appropriate legal notifications to the one or more creditors using a traceable mechanism; and a communications module configured to run on the at least one processor and further configured to facilitate and store synchronous or asynchronous communications between the borrower and the one or more creditors using the