As far as technology is concerned, my department uses an IBM AS400 mainframe supercomputer to process and service the accounts that are in pre-foreclosure state. This allows us to be in direct contact with our foreclosure attorney’s and the local sheriff’s department. We work closely with the attorneys and sheriffs because it is those individuals whom will if worse comes to worse be kicking our customers out of their homes. This is not a pretty sight and there have been violent actions that have taken place during a physical eviction. Our attorney’s use laptop computers that can relay information back to the office about the property, such as the occupants inside, the property value, the quality of the property, and the condition of the land. Our primary means of communication to our customers is via telephone, but we also use fax, email, and written correspondence to attempt to work out payment arraignments on the properties.

has an open door policy he encourages all departmental personnel to bring complex or personal issue to him if necessary. The Director, on the other hand is hard to get a hold of, let alone talk to. But for the most part I feel that the lines of communication are effective and used all the time. Our department is a very close group and we truly are like

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