I think debt collectors are struggling too. They are buying bad debts from banks and stores and they aren't able to collect on it. If you can't pay your bills, you can't pay them.
The economy seems to have picked up a tiny bit in Albuquerque, but it is terrible in the smaller towns throughout New Mexico. There just isn´t any work to be had.
Try googling the phrase " telecommuting jobs" and see what pops up. Remember though, if you go the online job route, if you have to pay to get work, it's not a legitimate job.
I imagine that those in the debt collection industry and loan consolidation are probably doing very well. And of course the bankers, too. Don't forget the lawyers with the record bankruptcy filings.
I don't think it's improving here in NY either. I know it's still pretty hard to get a loan or any type of financing to grow our small business. Sales are picking up but not by the percentage that we had hoped for.