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	<title>American Credit and Collections Blog</title>
	
	<link>http://www.credit-and-collections.com/blog</link>
	<description>How to make money collecting money &amp; get paid in a bad economy</description>
	<lastBuildDate>Wed, 28 Jul 2010 12:30:40 +0000</lastBuildDate>
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		<title>Why can’t you get approved for a loan?</title>
		<link>http://www.credit-and-collections.com/blog/?p=1699</link>
		<comments>http://www.credit-and-collections.com/blog/?p=1699#comments</comments>
		<pubDate>Wed, 28 Jul 2010 12:30:40 +0000</pubDate>
		<dc:creator>Michelle Dunn</dc:creator>
				<category><![CDATA[Business Credit]]></category>
		<category><![CDATA[Economic Crisis]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[start up]]></category>

		<guid isPermaLink="false">http://www.credit-and-collections.com/blog/?p=1699</guid>
		<description><![CDATA[Many people who are thinking of starting a collection agency approach the bank for a small business loan.  right now with the new financial reform bill being put into action and the economy still struggling less small business owners are being approved for loans.
Some may not be established enough or may not have comprehensive business [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Marketing in the financial Industry – how its working for me</title>
		<link>http://www.credit-and-collections.com/blog/?p=1693</link>
		<comments>http://www.credit-and-collections.com/blog/?p=1693#comments</comments>
		<pubDate>Mon, 26 Jul 2010 12:31:17 +0000</pubDate>
		<dc:creator>Michelle Dunn</dc:creator>
				<category><![CDATA[FAQ's]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[publicity]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.credit-and-collections.com/blog/?p=1693</guid>
		<description><![CDATA[&#1086;&#1092;&#1080;&#1089; &#1089;&#1090;&#1086;&#1083;&#1086;&#1074;&#1077;I have had the honor of being asked by Atlantic Publishing Company to write the foreword of a book that I contributed to for them called &#8220;How to Own and Operate a Financially Successful Collection Agency&#8221;.
I just finished writing up some talking points to send off to &#8220;The Business Advantage Radio Show &#8211; Get [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Should you charge late fees?</title>
		<link>http://www.credit-and-collections.com/blog/?p=1618</link>
		<comments>http://www.credit-and-collections.com/blog/?p=1618#comments</comments>
		<pubDate>Mon, 19 Jul 2010 12:02:59 +0000</pubDate>
		<dc:creator>Michelle Dunn</dc:creator>
				<category><![CDATA[Business Credit]]></category>
		<category><![CDATA[Credit Policy Questions]]></category>
		<category><![CDATA[late fees]]></category>
		<category><![CDATA[past due]]></category>

		<guid isPermaLink="false">http://www.credit-and-collections.com/blog/?p=1618</guid>
		<description><![CDATA[As more and more customers become past due or try to delay payments 35% of the financial professionals surveyed by the Arketi Group, say they have started adding late fees. This could be a good way to have those customers who may just be a little slow to be able to step it up and [...]]]></description>
		<wfw:commentRss>http://www.credit-and-collections.com/blog/?feed=rss2&amp;p=1618</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>3 Tips to prepare you for the end of the Recession</title>
		<link>http://www.credit-and-collections.com/blog/?p=1621</link>
		<comments>http://www.credit-and-collections.com/blog/?p=1621#comments</comments>
		<pubDate>Sat, 17 Jul 2010 12:06:19 +0000</pubDate>
		<dc:creator>Michelle Dunn</dc:creator>
				<category><![CDATA[Being a Great Collector]]></category>
		<category><![CDATA[Credit Crisis]]></category>
		<category><![CDATA[Economic Crisis]]></category>
		<category><![CDATA[Getting Paid - Michelle Dunn - Business Finance Columni]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[collect]]></category>
		<category><![CDATA[invoices]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[payments]]></category>

		<guid isPermaLink="false">http://www.credit-and-collections.com/blog/?p=1621</guid>
		<description><![CDATA[My Top 3 tips to make sure you are prepared as the Credit Crisis comes to an end:

Look      into e-invoicing or emailing your invoices and statements to customers      that are open to receiving them this way.       An alternative is to [...]]]></description>
		<wfw:commentRss>http://www.credit-and-collections.com/blog/?feed=rss2&amp;p=1621</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Confessions of former debt collectors – CNN Money</title>
		<link>http://www.credit-and-collections.com/blog/?p=1689</link>
		<comments>http://www.credit-and-collections.com/blog/?p=1689#comments</comments>
		<pubDate>Fri, 16 Jul 2010 11:32:13 +0000</pubDate>
		<dc:creator>Michelle Dunn</dc:creator>
				<category><![CDATA[About Michelle Dunn]]></category>
		<category><![CDATA[Being a Great Collector]]></category>
		<category><![CDATA[Dealing with debt collectors]]></category>
		<category><![CDATA[Debt Collection in the News]]></category>
		<category><![CDATA[Heard on the Street...]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[The Life of a Bill Collector]]></category>
		<category><![CDATA[Working at a Collection Agency]]></category>
		<category><![CDATA[CNN]]></category>
		<category><![CDATA[collections industry]]></category>
		<category><![CDATA[confessions]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.credit-and-collections.com/blog/?p=1689</guid>
		<description><![CDATA[I am excited to share that I was interviewed by CNN Money this week and they have written a story on their website called &#8220;Confessions of former debt collectors -These people share their experiences in the collections industry &#8212; and why they left.&#8221; 
They have profiled 10 former bill collectors &#8211; check it out and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>When will the Credit Crisis end &amp; are you prepared?</title>
		<link>http://www.credit-and-collections.com/blog/?p=1616</link>
		<comments>http://www.credit-and-collections.com/blog/?p=1616#comments</comments>
		<pubDate>Thu, 15 Jul 2010 12:57:44 +0000</pubDate>
		<dc:creator>Michelle Dunn</dc:creator>
				<category><![CDATA[Being a Great Collector]]></category>
		<category><![CDATA[Credit Crisis]]></category>
		<category><![CDATA[Debt Collection in the News]]></category>
		<category><![CDATA[Economic Crisis]]></category>
		<category><![CDATA[Getting Paid - Michelle Dunn - Business Finance Columni]]></category>
		<category><![CDATA[Online Collection Techniques]]></category>
		<category><![CDATA[Online payment options]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[invoice]]></category>

		<guid isPermaLink="false">http://www.credit-and-collections.com/blog/?p=1616</guid>
		<description><![CDATA[During these tough times credit managers everywhere are having a harder time than ever screening potential customers, setting credit limits and effectively getting paid.  Most businesses ignore or neglect the credit and collections function until it is to late or someone owes them money and they need that money in order to stay afloat.
Almost every [...]]]></description>
		<wfw:commentRss>http://www.credit-and-collections.com/blog/?feed=rss2&amp;p=1616</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MicroCredit-NH hosts 2010 Entrepreneurial Exchange North</title>
		<link>http://www.credit-and-collections.com/blog/?p=1686</link>
		<comments>http://www.credit-and-collections.com/blog/?p=1686#comments</comments>
		<pubDate>Tue, 06 Jul 2010 12:40:17 +0000</pubDate>
		<dc:creator>Michelle Dunn</dc:creator>
				<category><![CDATA[About Michelle Dunn]]></category>
		<category><![CDATA[Ask Michelle]]></category>
		<category><![CDATA[Business Credit]]></category>
		<category><![CDATA[Expo's & Trade Shows]]></category>
		<category><![CDATA[Networking]]></category>
		<category><![CDATA[bottom line]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[michelle dunn]]></category>
		<category><![CDATA[MicroCredit]]></category>
		<category><![CDATA[plymouth]]></category>

		<guid isPermaLink="false">http://www.credit-and-collections.com/blog/?p=1686</guid>
		<description><![CDATA[Mark your calendars! Entrepreneurial Exchange North, the premier training and networking conference for New Hampshire&#8217;s smallest businesses, takes place Monday, August 16 from 8:30 a.m. to 4 p.m. at the Common Man Inn and Spa in Plymouth.
The popular event includes a keynote address by Alex Ray of the Common Man Family of Restaurants, workshops built [...]]]></description>
		<wfw:commentRss>http://www.credit-and-collections.com/blog/?feed=rss2&amp;p=1686</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How many people use Social Networks?</title>
		<link>http://www.credit-and-collections.com/blog/?p=1684</link>
		<comments>http://www.credit-and-collections.com/blog/?p=1684#comments</comments>
		<pubDate>Thu, 01 Jul 2010 12:06:06 +0000</pubDate>
		<dc:creator>Michelle Dunn</dc:creator>
				<category><![CDATA[FAQ's]]></category>
		<category><![CDATA[Heard on the Street...]]></category>
		<category><![CDATA[Online Collection Techniques]]></category>
		<category><![CDATA[Random posts]]></category>
		<category><![CDATA[Social Networks]]></category>
		<category><![CDATA[linkedin]]></category>
		<category><![CDATA[facebook]]></category>
		<category><![CDATA[twitter]]></category>

		<guid isPermaLink="false">http://www.credit-and-collections.com/blog/?p=1684</guid>
		<description><![CDATA[

Over 500 million people have a Facebook Account.
50% log on at least once a day.
More than 20 million people join Facebook each day.
More than 5 Billion pieces of information are shared and uploaded weekly.
The amount of time spent on social networking sites has increased 300% in one year alone.
There were 1.5 Trillion tweets in 2008.


Source: [...]]]></description>
		<wfw:commentRss>http://www.credit-and-collections.com/blog/?feed=rss2&amp;p=1684</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Guidelines &amp; Laws for Collectors regarding Technology</title>
		<link>http://www.credit-and-collections.com/blog/?p=1681</link>
		<comments>http://www.credit-and-collections.com/blog/?p=1681#comments</comments>
		<pubDate>Tue, 29 Jun 2010 12:01:00 +0000</pubDate>
		<dc:creator>Michelle Dunn</dc:creator>
				<category><![CDATA[Laws]]></category>
		<category><![CDATA[Online Collection Techniques]]></category>
		<category><![CDATA[Social Networks]]></category>
		<category><![CDATA[collectors]]></category>
		<category><![CDATA[guidelines]]></category>
		<category><![CDATA[technology]]></category>

		<guid isPermaLink="false">http://www.credit-and-collections.com/blog/?p=1681</guid>
		<description><![CDATA[Communicating with your customers or debtors is not a single communication effort, in order for any of your efforts to work you need to use a multi-communication strategy that works for your business, your customers and follows the law, online and off.
Using social networks to add to your information or verify your information helps you [...]]]></description>
		<wfw:commentRss>http://www.credit-and-collections.com/blog/?feed=rss2&amp;p=1681</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Which type of communication works best for collecting money?</title>
		<link>http://www.credit-and-collections.com/blog/?p=1678</link>
		<comments>http://www.credit-and-collections.com/blog/?p=1678#comments</comments>
		<pubDate>Mon, 28 Jun 2010 11:53:17 +0000</pubDate>
		<dc:creator>Michelle Dunn</dc:creator>
				<category><![CDATA[Ask Michelle]]></category>
		<category><![CDATA[Collection Tools]]></category>
		<category><![CDATA[Online Collection Techniques]]></category>
		<category><![CDATA[Social Networks]]></category>
		<category><![CDATA[collecting money]]></category>
		<category><![CDATA[collector]]></category>
		<category><![CDATA[debtor]]></category>
		<category><![CDATA[Fair Debt Collection Practices Act]]></category>
		<category><![CDATA[Laws]]></category>

		<guid isPermaLink="false">http://www.credit-and-collections.com/blog/?p=1678</guid>
		<description><![CDATA[I recently had a collector email me asking me what the law is on emailing debtors regarding overdue accounts.  They say many of their clients have given them email addresses, but they aren’t sure if they can legally communicate this way.
Another collector said they receive email addresses from consumers as well and they strongly advise [...]]]></description>
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