Patent ID: 8600877

Claim:
An apparatus, comprising: a network interface configured receive data from and communicate data to a remote electronic device; and a processor coupled to the network interface, the processor configured to: receive, via a user interface at the remote electronic device and the network interface, credentials for identifying a customer; determine customer information associated with the customer based at least in part upon the credentials, wherein the customer information comprises at least one loan account, the at least one loan account comprising a past-due amount, an original payment due date, and an original annual percentage rate; display to the user interface a notification that the customer owes the past-due amount on the at least one loan account; display to the user interface a plurality of options regarding the at least one loan account, the plurality of options including an option to presently pay at least a portion of the past-due amount, an option to make a promise to pay by a date certain in the future, and an option indicating that the customer is unwilling to make a payment on the at least one loan account; receive via the user interface and the network interface, a selected option from the plurality of options; determine, in response to receiving the selected option, that the customer is eligible for a fix payment program based at least in part upon the customer information; on; receive enrollment information for the fix payment program; and determine, based upon the enrollment information, a modified payment due date; determine, based upon the customer information, a modified annual percentage rate, wherein the modified annual percentage rare is lower than the original annual percentage rate; and modify the customer information such that the at least one loan account comprises the past-due amount, the modified payment due date, and the modified annual percentage rate.