30-year-plus veteran and entrepreneur in credit, collections and customer service. Now developing and crowd-sourcing "Written Off - America and Americans, a Survival Guide for both the creditor and debtor in this Great Recession. Got debt? Would love to have you share your story from the problem on through to the solution. Submit at www.writtenoffamerica.com & tweet: http://www.twitter.com/writtenoffusa If you are a business curious about my abilities to "get the money and keep the customer" by employing civility and diplomacy with commercial accounts and need help in that arena, give me a shout.