1. A method for gathering information pertinent to a debt for purposes of compiling a transaction settlement offer set of a plurality of offers for settling and resolving the debt, the method performed using a computing device and comprising: collecting credit information including information about a user's current financial condition using a server for use in compiling the transaction settlement offer set according to a set of predetermined offer set rules, the transaction settlement offer set comprising a plurality of individually selectable monetary offers each comprising different decisioned monetary settlement terms specifically determined for the user based on the set of predetermined offer set rules and collected credit information including available information about the user's current financial condition and further determined to facilitate settlement of the debt by modifying existing terms of the debt without providing a new debt instrument to the user using terms of one individually selectable monetary offer selected by the user, and wherein upon selection of one offer by the user, the server obtains user payment information and processes at least a portion of the one offer selected by the user; wherein the collecting credit information including information about the user's current financial condition using the server comprising employing the server to perform at least one from a group comprising: seeking credit information related to personal data regarding the user from a personal data source separate from the user, a user device, and the server; seeking credit information related to account data regarding a user account from an account data source separate from the user, the user device, and the server; seeking information related to macroeconomic data from a macroeconomic source separate from the user, the user device, and the server; and seeking credit information related to the debt from a transaction data source separate from the user, the user device, and the server.