An apparatus for resolving a debt transaction is provided. The apparatus includes a server having means for contacting the debtor by transmitting a communication to the debtor using one of a number of available communication channels, a credit information seeking module configured to obtain information from a financial information source other than the server and the debtor, and a rules based decision module configured to analyze information to determine a potential resolution strategy for the debt transaction comprising a transaction settlement offer based on creditworthiness of the debtor based on rules established by the creditor. The server is configured to provide the debtor with the transaction settlement offer, and to attempt to obtain agreement from the debtor to settle the debt transaction based on the at least one transaction settlement offer, and process at least a portion of a payment.