Abstract: A method of using a system processing phone call routing, the method including: automatically capturing, by a computer system, call data for each of a plurality of phone calls utilizing a toll free number and routed as referrals to a service, which engages accounting software to automatically track compensation for the referrals by generating an association of the captured phone call data for each of the referrals with compensation for connecting the referrals so as to distinguish the service from phone call referral data and compensation for a plurality of other services receiving other referrals, the engaging initiating digital reporting, via an Internet address, which includes generating, from the association, call referral information related to the service and said compensation for the referrals to the service.

Abstract: A method of processing a phone call, the method including: from a trunk interface, receiving an inbound communication from a caller, the inbound communication received at an interactive voice response system; at the interactive voice response system, receiving a number associated with the inbound communication, the number indicative of a location of the caller; querying a memory containing call referral data for each of a plurality of services, using the number, to obtain a phone number for one of the services associated with the location of the caller, the querying carried out by the interactive voice response system; and connecting, by the interactive voice response system, the inbound communication to an outbound communication line to connect the caller with the phone number for the one of the services associated with the location of the caller.

Abstract: A method of processing a phone call, the method including: from a trunk interface, receiving an inbound communication from which a number is detected, the number sufficient to identify a location of a caller, and by a digital electrical computer system including a memory storing phone numbers for a plurality of credit counseling services, querying the memory by using the detected number to select at least three phone numbers for credit counseling services associated with the location of the caller and outputting a sequence of the phone numbers automatically selected for the credit counseling services associated with the location of the caller.

Abstract: A system for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of: storing telephone numbers for a plurality of financial assistance providers in memory accessible by a digital electrical computer; obtaining lender criteria for selecting one of the financial assistance providers; storing said criteria for access by said computer; identifying a debtor; selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers; and connecting the debtor by telephone to the one of the stored telephone numbers.

Abstract: A method for Internet-based intermediary computing to handle debt management plan requests, the method including the steps of: receiving respective debt management plan requests at an intermediary computer, by Internet communication, from each of a plurality of request-originating computers; processing the respective debt management plan requests to produce respective, formatted and at least partially validated debt management plan requests; using the respective, formatted and at least partially validated debt management plan requests in enabling a respective debt management plan decision at one of the intermediary computer and a creditor computer; and electronically communicating a signal of the decision to the request-originating computer.

Abstract: 85A system for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of: storing telephone numbers for a plurality of financial assistance providers in memory accessible by a digital electrical computer; obtaining lender criteria for selecting one of the financial assistance providers; storing said criteria for access by said computer; identifying a debtor; selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers; and connecting the debtor by telephone to the one of the stored telephone numbers.