WASHINGTON — One of the most dreaded phone calls consumers can receive is from a collections department, especially during an economic slowdown when more people are stretching their finances and teetering on the brink of bankruptcy.

Credit unions can't eliminate those phone calls or make them pleasurable. But Three Rivers Federal Credit Union in Fort Wayne, Ind., is trying to make members' dealings with that department more productive by changing its name and mission.

Goodbye, collections department, hello credit solutions and recovery department.

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