Methods and systems for collecting payments from customers having delinquent accounts are disclosed. Under a debt recovery partnership, a debt recovery service extends an offer for a debt recovery product to a customer with a delinquent account. If the offer is accepted, the debt recovery service receives...http://www.google.com.au/patents/US7685061?utm_source=gb-gplus-sharePatent US7685061 - Methods and systems for providing debt recovery partnership