John Dick first noticed signs of an economic slowdown in early 2007, when the ubiquitous credit card come-ons he slipped into mail boxes slowed.
Other signs soon followed.
The letter carrier started seeing more bounced check notices and the thin envelopes from mortgage companies that signal a loan is in default.
Delivering mail each week to 361 addresses in southwest Royal Oak, Dick, 49, has gotten to know the law firms that handle bankruptcies and foreclosures.
And when Dick sees "Important account information" stamped on the front of utility bills, he knows it means the customer soon may face a shutoff of gas or electricity for non-payment.
One Thursday, he contemplated a certified letter from the Internal Revenue Service.
"Oh, man, this is never good news," said Dick, who started with the post office in 2000. "They never send you a letter saying, 'We've found some money for you.' "
http://www.freep.com/article/20090322/NEWS06/903220416