Systems and methods for a financial institution to compile information regarding customer loans and items/assets securing the loans to create an environment in which troubled debtors may place an asset into a pool of assets for resale/exchange and to be released of obligations to repay the loan associated with the asset. In some implementations, a customer may replace the asset with another asset in the pool, where the replacement asset imposes a reduced (or no) obligation on the debtor. The pool of assets may include real estate, automobiles, major electronics, major appliances, artwork, etc. In some implementations, the financial services provider may be able to place an asset into the pool of goods before it becomes damaged, destroyed or goes missing by modeling customer behavior and anticipating a pending default on a loan.