A network based system to facilitate managing a consumer's financial development. This network based system includes at least one computer system operable to execute a consumer module, a communication module, a lead sourcing module, a creditor module, a financial processing module, and a counselor module....http://www.google.com.tw/patents/US20050027633?utm_source=gb-gplus-share專利 US20050027633 - Application and processes for the review and adjustment of the full lifecycle of consumer finances
