Teaching professional collectors, security officers and credit managers, within the framework of "learning centers collector, found that convenient for the practical application of psychological typology Debtors are still unavailable. Attempts few authors have reported their achievements or psychological in nature, that is, to classify using criteria weakly related to personality characteristics the debtor, or, conversely, overloaded complex psychological tools that make them suitable for use only in the offices of professional psychologists. At the same time, workers of the front collection of debts say that they need in a practical application of the typology of troubled borrowers, as it facilitates the choice of strategy and tactics of influence on them. As a result, generalizing the practice of various models in of the collectors I developed a convenient model of typology, which contains the criteria, the evaluation of which allows the debtor to include one of four types. Of course, each of them has subtypes, but familiarity with them is not fit into the scope of this article, therefore, restrict the overall typology. The first criterion – this is the level of mental activity of the debtor.
It is defined as an integral characteristic of the psycho-emotional tone of a man. Extremely high level of mental activity corresponds to the so-called manic phase, and extremely low – the depressive phase. Between these two poles and is the whole palette of levels of mental activity of the individual. Each one of us is inherent in a sector of the scale, in which we are a big part of life, depending on their temperament.