Abstract: A method and apparatus is provided for consumers to receive the recent settlement histories of their creditors in a web-hosted application that drives the settlement process, so they can use this insider knowledge to settle their debts for cents-on-the-dollar. One embodiment provides a computer assisted tool that tells consumers what their creditors take to settle debts for cents-on-the-dollar, and equips consumers to conduct the settlement process using a turn-key, web-hosted application; or alternatively provides a full-service embodiment that allows consumers to get immediate relief from collectors and be debt free in a matter of months rather than decades.

Abstract: An improved golf putter head incorporates multiple perspective sighting and visualization elements, including multiple parallel alignment edges, striking vector sighting guides, multiple triangulation elements for equating a perspective ‘vanishing point’ with the desired break point to accurately gauge the striking vector's length, into a head engineered to distribute the mass distally outward along the Y axis from the central striking element in a 4:1 ratio to create anti-torque stabilization, and with the mass distributed rearward along the X axis for enhanced dynamic feedback during the backswing and enhanced dynamic stability, using connections amongst the mass elements whose shape, material, and placement provides improved resonance to improve the kinesthetic feedback, with a connection limitation to the shaft that best assures against torque during the swing by connecting the shaft vector through the rotational striking center of balance of the putter, thereby providing means for accura

Abstract: An improved golf putter head incorporates multiple perspective sighting and visualization elements, including multiple parallel alignment edges, striking vector sighting guides, multiple triangulation elements for equating a perspective ‘vanishing point’ with the desired break point to accurately gauge the striking vector's length, into a head engineered to distribute the mass distally outward along the Y axis from the central striking element in a 4:1 ratio to create anti-torque stabilization, and with the mass distributed rearward along the X axis for enhanced dynamic feedback during the backswing and enhanced dynamic stability, using connections amongst the mass elements whose shape, material, and placement provides improved resonance to improve the kinesthetic feedback, with a connection limitation to the shaft that best assures against torque during the swing by connecting the shaft vector through the rotational striking center of balance of the putter, thereby providing means for accurate st