Capital One Services, LLC

Capital One Financial Corporation

Daniel J Welker

Anthony Paul Reynolds

James A Haworth

Sow A Kobayashi

John F Magnuson

Oren Knishinsky

Systems and methods for developing and utilizing a contactability profile are disclosed. Contact information may be managed by receiving activity data associated with an entity, processing the received activity data, generating at least one contactability profile associated with the entity based upon a result of the processing, and storing the generated contactability profile.

System and method for developing and utilizing a contactability profile

According to one embodiment of the invention, a method of debt recovery is provided. The method includes providing a device to a consumer owing a debt to a creditor. The device has a utility that becomes available to the consumer after being activated by the creditor. The method also includes indicating to the consumer that the utility of the device will be activated if the consumer contacts the creditor.

Method and system for debt recovery

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Boise, ID, United States of America

Daniel J Welker