In parts one and two in this set of articles on the very basics of debt collection, I wrote about the differences between an in house collector and a third party debt collector. I wrote about the different types of ways that debt collectors will locate the debtors, and described a number of statements that the debt collector must say before they can proceed in their attempt to collect debt from you.

Bill collectors refer to these legal guidelines as a “mini Miranda.” If a bill collector doesn’t share this information with you, he or she is violating the Fair Debt Collection Practices Act. If questioned, the debt collector is obligated to tell you her name, the name, address and fax number of her agency, and what creditor she is calling on behalf of.

If it is necessary to do so the debt collector will go over the terms of sale with you, or credit contracts. Bear in mind that your conversation will probably be recorded, and a good debt collector is a sneaky one. They will most likely use their listening skills to try to determine the cause of the delinquency.

Despite what you may have heard from anecdotal stories, or the sensational stories you have heard on the news, most debt collectors are empathetic people, working to make a buck like you. Even if your debt collector is calling aggressively, it is never a good idea to ignore their calls. A debt collector will have the authority to offer a repayment plan, or some other type of help to make it easier for you to pay off of your debt.

At times, they have the capacity to find answers to your financial problems. After all, they work with people like you all the time. They can even offer you some useful advice or they might be able to refer you to some helpful debt counselors. Unfortunately, it has been said that all stereotypes have some truth in them, and there will be an occasional debt collector who may use strong arm or even illegal tactics to collect a debt. If something doesn’t sit right with you, consult the FDCPA, and call your local attorney general’s office to report the incident.

Mallory Megan works for Rapid Recovery Solution and writes articles on medical collection agencies. This article, The Essentials Of Debt Collection Part Three is available for free reprint.

Research recently collected by RealtyTrac Year-End 2009 Foreclosure Market Report indicates that 3,957,643 foreclosure filings were reported on 2,824,674 United States properties in 2009. Included in this research was scheduled foreclosure auctions, default notices and bank repossessions.

That’s a twenty one percent increase in properties from numbers in data collected in 2008, and a one hundred and twenty percent increase in total properties from 2007. The report also revealed that one in forty five housing units, 2.21 percent, received at least one foreclosure filing during 2009, up from 2008’s 1.48 percent and 2007’s 1.03 percent.

In the month of just December, foreclosure filings measured out to 349,519 properties in December. This marks a fourteen percent jump from the last month of November and a fifteen percent increase from 2008. However, even though there was an increase in December, foreclosure activity in the fourth quarter of 2008 has decreased by seven percent.

Of all of the states, Nevada claimed the nation’s highest state foreclosure rate; more than ten percent of housing units received at least one foreclosure filing in 2009. That makes Nevada’s third consecutive year at the top of the foreclosure list. Nevada’s foreclosure activity in December increased twenty seven percent from the previous month, but still was down by twenty two percent from December of 08.

Arizona claimed the nation’s second highest state foreclosure rate in 2009 with more than six percent of properties receiving at least one foreclosure filing during 2009, and Florida claimed the nation’s third highest foreclosure rate at 5.93 percent of its properties getting at least one foreclosure during the filing year.

This raises concerns in the debt collection industry. Recent trends have noted that consumers are pumping up their credit debt and low balling their assets to receive lower payment plans. The fact that they are maxing out their credit cards to receive lower payment plans does not look promising.

Mallory McGuinness works for a debt collection agency. She also composes articles on business, finance, consumer spending and collection agencies. Check here for free reprint licence: Foreclosures On The Increase.

There are quite a few successful online marketers making a living online at the moment. If you were to enquire as to how they have become so successful the majority of them will probably accredit it to the influx of repeat customers that they get. They may also say that it is down to having a successful mailing list to relate to.

So how on Earth have they managed to compile such great mailing lists? And how have they convinced so many people to give their mailing details to complete strangers? Well here are a few good ways to compile a mailing list for your business.

1. The first thing to do is to put their mind at rest and tell them that they are under mo obligation whatsoever to buy anything. Tell them that if they wish to they can opt out at anytime from the list.

By letting your subscribers know that they are not tied into anything and are not obligated to purchase anything. Also that they can leave the list whenever they like, you are giving them total freedom and control of the situation.

2. By giving potential subscribers the impression that you are helping them out and giving them something that can make their lives better, you will attract more subscribers to your list.

You need to give away some good free information that people need. If you do this then your name will get around and you will start to grow your list. Directing potential customers to blogs is a good way of getting them free advice.

Video’s and PDF’s are also a great way to get the important information across to your potential subscribers.

3. You have to entice your potential subscribers in by giving the unique nuggets to capture their attention. Do not use the same stuff that other marketers are using as this will give your subscribers a negative impression of your business.

If you can be different and stand out from the crowd you should be able to entice subscribers to your list.

Refer to various other educational articles by this very author covering items like roll up garage doors and shoe storage solutions.