We can all do more, but just like athletes, running as a group speeds up the pace, rather than running alone.

I have not needed to look into this in a long time (fortunately), but when I last looked into it there was at least 2 easy and low cost ways to send to collections: Rent Recovery Service, AOA Debt Reporting.Recognize my info is old and things change ...As indicated the odds you collect anything is not good, but both these places report to credit reporting agency in the event that they are unable to collect what is due. 

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

Mobile is in a recovery stage and the appreciation rate right now is at 17%.

I even see a bit of that happening today, during a sellers' market and a "recovery".  

Recovery on a single, charged-off unsecured business loan will likely be less than 10 cents on the dollar.

My business is doing well, and I can outlast and beat most competitors, so it would be nice and lucrative to stay for a recovery.

I thinking it was left to its own its recovery would be much more in question.

Now as we arrive at the end of the foreclosure and short sale boom throughout the country and the market is showing clear signs of recovery, the subject is back on the agenda with increasing frequency. 

Those things are my loved ones, adventure,  and experience.As a lifelong athlete, I love and thrive in a competitive environment.