US Patent 8234209: Method of collecting delinquent specialized debt

A method for the organization of disorganized receivables comprising: organizing by a computer the disorganized receivables into a portfolio of organized receivables by a methodincluding sorting the delinquent receivables by employing a sorting parameter to obtain sorted receivables, ranking the sorted receivables by employing a ranking parameter to obtain ranked receivables, and scoring the ranked receivables by employing ascoring parameter to obtain a final score; wherein the sorting parameter, for each specific account in the receivables, comprises: (a) outstanding unpaid balance on the account; (b) age of the account; (c) prior collection history of the account; (d)household income and home value of the debtor on the account; (e) geographic distribution of debtor, based on a parameter which is a member selected from a state, a zip code, a phone number, an employer and a work phone (f) type of debtor/payerclassification selected from the group consisting of individual, business entity, insurance provider and government provider; wherein the ranking parameter comprises: (g) an intrinsic value for each sorting parameter (a)-(f); (h) a comparative valuefor each sorting parameter (a