Patent ID: 8660941

Claim:
A method of communicating with a plurality of debtors on behalf of a plurality of creditors using an integrated multi-channel virtual collections center, the method comprising: receiving, by the integrated multi-channel virtual collections center, account information for an outstanding debt associated with a debtor, wherein the account information comprises an indication of a duration of a phone call; automatically analyzing, by a computer processor in the integrated multi-channel virtual collections center, the account information for the account to determine an account status and one or more strategies for resolving the debtor's outstanding debt; automatically presenting, by the processor, one or more of a plurality of payment program offers through which the outstanding debt can be resolved based on individual account-level attributes considered with respect to one or more rules stored in the multi-channel virtual collections center system and received from the creditor, wherein the one or more offers is based on the duration of the phone call.