1. A method of debt collection comprising the steps of: attempting to collect a debt from a debtor using a first debt collection strategy; obtaining additional information from the debtor during the attempt to collect the debt using the first debt collection strategy; attempting to collect a debt from a debtor using a second debt collection strategy; wherein, the second debt collection strategy is based, at least in part, upon the additional information obtained in the attempt to collect the debt using the first debt collection strategy.