Abstract: Credit management systems and methods are disclosed that efficiently and automatically manage a high volume of credit counseling agencies' work, store flexible rules and relationships between creditors and clients, automatically implement rules universally, automatically process payments and disbursements based on the rules, and maximize fairshare to credit counseling agencies. The credit management system comprises a database tier, a business tier, and a presentation tier. The system assigns various groups of tasks to various modules, programs. The first contact module, the appointment schedule module, the counseling module, the creditor management module, the proposal submission module, the payment and disbursement module, and the action management module all perform various tasks based on universal and particulars rules.