Abstract: Apparatus and methods are disclosed for renegotiating debt payment terms and similar matters. A database 10 is accessible over a network by creditors 40 and debtors 30, who can populate the database 10 with relevant debt information and use that information to attempt to renegotiate terms for repayment of the debt(s). A wide variety of tools can be included within the database, to facilitate review of the debt information, monies potentially available to satisfy the debt(s), outcomes of various potential settlement approaches, “batch” decisions and actions on multiple debts, and related issues.