14. A method for implementing a future payment transaction relating to payments owed, comprising: presenting information to a user, the information comprising a schedule of payments owed, including a number of payments owed and scheduled due dates for the payments owed; enabling the user to submit a future payment request to a server, wherein the future payment request comprises a request to make at least one immediate payment to a third party in escrow for the benefit of a party having an interest in payments owed for money owed to the party having the interest in payments owed at a future date representing at least a portion of a scheduled payment selectable by the user, wherein the user is provided with an ability to submit the future payment request for an out-of-sequence scheduled payment without submitting a corresponding payment request for an in-sequence scheduled payment; processing said future payment request at the server based on submitted modifications to data from the information using a rules based engine configured to evaluate the future payment request by the user and, when acceptable based on rules established on behalf of the party having an interest in payments owed and applicable to the acceptability of future payment requests, provide a decision comprising approval of the future payment request based on the rules established, and when unacceptable based on rules established on behalf of the party having an interest in payments owed, provide the decision comprising denial of the future payment request based on the rules established; transmitting the decision from the server to the user; and offering the user an ability to submit an alternate future payment request when the future payment request is unacceptable based on the rules established, and processing that alternate future payment request at the server rules based engine; wherein the rules established on behalf of the party to the transaction comprise the acceptability of receiving a future payment from any user.
15. The method of claim 14 , wherein the user comprises a debtor and the payments owed comprise a debt owed by the debtor.