超過(guò)三分之一的人對(duì)按時(shí)償還債務(wù)存有困難；來(lái)自星期二城市研究所對(duì)7000000美國(guó)人的信用檔案分析研究表明35%的美國(guó)人有債務(wù)麻煩。

這意味著到目前為止債務(wù)超期的帳戶(hù)已被關(guān)閉并集中放置。這通常發(fā)生在賬單超期180天未付。這也意味著債務(wù)已經(jīng)向信用局報(bào)告，可以影響到信貸分?jǐn)?shù)。

美國(guó)南部為密集度最高地區(qū)。在美國(guó)的13個(gè)州-阿拉巴馬州，阿肯色州，佛羅里達(dá)州，喬治亞州，肯塔基，路易斯安那，密西西比州，北卡羅來(lái)納州，南卡羅來(lái)納州，內(nèi)華達(dá)州，德克薩斯，墨西哥和西弗吉尼亞州和華盛頓哥倫比亞特區(qū)，超過(guò)了信用檔案的人口40%的人債務(wù)問(wèn)題。受住房危機(jī)和經(jīng)濟(jì)衰退打擊最嚴(yán)重的內(nèi)華達(dá)州，比率到達(dá)最高的46.9%。（更多全球資訊點(diǎn)擊瀏覽）

77000000美國(guó)人的平均債務(wù)為5200美元。這包括信用卡賬單，孩子的支持，醫(yī)療賬單，物業(yè)帳單 ，停車(chē)票或會(huì)員費(fèi)。

拖欠的家庭比例是“非常令人沮喪的。”經(jīng)濟(jì)政策研究所政策研究主任喬希說(shuō)畢文斯如是說(shuō)，數(shù)據(jù)是自經(jīng)濟(jì)大蕭條來(lái)大多數(shù)美國(guó)人仍在與經(jīng)濟(jì)不穩(wěn)定抗?fàn)幍挠辛φf(shuō)明。

“這是經(jīng)濟(jì)大蕭條給我們帶來(lái)的又一個(gè)糟糕的結(jié)果，我們現(xiàn)在正努力擺脫這種困境。

“同時(shí)對(duì)相當(dāng)一部分有債務(wù)問(wèn)題的人來(lái)說(shuō)，他們沒(méi)有意識(shí)到這個(gè)問(wèn)題，或這是他們身纏更大的其他信用債務(wù)，當(dāng)提到醫(yī)療賬單是，病人通常想到的是醫(yī)療保險(xiǎn)。”Bankrate網(wǎng)首席財(cái)務(wù)分析師說(shuō)到。

他說(shuō)，對(duì)數(shù)據(jù)來(lái)說(shuō)，“數(shù)字不能說(shuō)明人們應(yīng)償還債務(wù)所占比率。”

這些調(diào)查是取自有信用檔案的公民，所以說(shuō)低收入者不包括在內(nèi)，還有結(jié)付日貸款這類(lèi)債目也不包含。

當(dāng)涉及到整體債務(wù)水平，大部分來(lái)自抵押貸款，平均而言，占到美國(guó)人的債務(wù)負(fù)擔(dān)70%。富裕的州往往有最高信用額和債務(wù)抵押債券百分比，但研究人員指出，有更高的債務(wù)美國(guó)人有可能有更高的收入和更易獲得信貸的人。  （更多全球資訊點(diǎn)擊瀏覽） 

夏威夷高居榜首，平均83810美元的債務(wù)；80%是在抵押貸款。沿西部和東部沿海各州緊隨其后。這些地區(qū)也有最高的住房?jī)r(jià)格

“抵押債務(wù)能夠真實(shí)的體現(xiàn)總債務(wù)，”卡洛琳城市研究院的高級(jí)研究員、該報(bào)告作者之一雷克利夫說(shuō)。雷克利夫把抵押貸款債務(wù)歸類(lèi)為被認(rèn)為的“生產(chǎn)性債務(wù)。”

“我們談?wù)撔庞煤瞳@取信用是一件好事，但債務(wù)是一個(gè)糟糕的事情，”她說(shuō)。“獲得信貸導(dǎo)致生產(chǎn)性債務(wù)，這可使我們前進(jìn)。

”在美國(guó)人的信用歷史，平均總負(fù)債近54000美元。但是，但是，一旦你有了抵押貸款債務(wù)，數(shù)量明顯傾斜。美國(guó)抵押貸款有209000美元左右平均總負(fù)債，相比沒(méi)有抵押貸款的約11600美元。百分之二十的美國(guó)人沒(méi)有信用債務(wù)記錄。

邁克布萊德警告說(shuō)，抵押貸款債務(wù)不一定是負(fù)面的財(cái)務(wù)指標(biāo)。

“一個(gè)有400000美元的抵押貸款債務(wù)而沒(méi)其他債務(wù)，要比一個(gè)沒(méi)有無(wú)抵押債務(wù)但有有10000美元的負(fù)債消費(fèi)的人有更好的財(cái)務(wù)形象”他說(shuō)。

數(shù)據(jù)顯示在平均抵押貸款債務(wù)的情況下，債務(wù)比例最高的州上榜人說(shuō)相對(duì)較低的。研究人員發(fā)現(xiàn)，抵押貸款債務(wù)是集中在高成本，高價(jià)格的地區(qū)，雷克利夫說(shuō)。20％抵押貸款最高地區(qū)，抵押貸款債務(wù)幾乎占數(shù)量。 More than a third of the country is in trouble when it comes to paying debts on time; 35% of Americans have debt in collections, according to a study out Tuesday from the Urban Institute, which analyzed the credit files of 7 million Americans.
That means the debt is so far past due that the account has been closed and placed in collections. This typically happens after the bill hasn't been paid for 180 days. It also means the debt has been reported to credit bureaus and can affect someone's credit score.
Southern states especially stand out with the highest concentration of people delinquent. In 13 states — Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Texas, Nevada, New Mexico and West Virginia — and Washington, D.C., more than 40% of the population with a credit file has debt in collections. Nevada, one of the states hardest hit by the housing crisis and recession, has the highest share, at 46.9%.
The 77 million Americans with debt in collections owe an average of $5,200. That includes debt from credit card bills, child support, medical bills, utility bills, parking tickets or membership fees.
The share of delinquent households is "pretty disheartening," says Josh Bivens, research and policy director at the Economic Policy Institute. He calls the data a "powerful" reminder of the fact that many Americans are still battling for economic stability since the end of the recession.
"This is yet another really bad legacy of the Great Recession that we're just nowher near climbing all the way out of," he says. （更多全球資訊點(diǎn)擊瀏覽） 
At the same time, a significant number of people with debt in collections aren't aware of the bill and may otherwise have great credit, especially when it comes to medical bills that patients often think were picked up by insurance, says Greg McBride, chief financial analyst for Bankrate.com.
"The numbers don't necessarily speak to the percentage of households that haven't been paying their obligations," he says of the data.
The research only draws on data from Americans with a credit file, so the researchers say lower-income consumers are underrepresented, and alternative forms of debt such as payday loans aren't included.
When it comes to overall debt levels, most comes from mortgages, which make up 70%, on average, of Americans' debt load. Wealthier states tend to have the highest amount of debt and percentage of debt held in mortgages, but the researchers point out that Americans with higher debt may also have higher incomes and better access to credit.
Hawaii tops the list with an average debt of $83,810; 80% of that is held in mortgages. States along the West and East Coasts follow closely behind. Those areas also have the highest housing prices.
。 "Total debt really mimics mortgage debt," says Caroline Ratcliffe, a senior fellow at the Urban Institute and one of the authors of the report. Ratcliffe classifies mortgage debt as what's generally considered "productive debt."
"We talk about credit and access to credit as a good thing, but debt as a bad thing," she says. "Access to credit can result in productive debt that moves us forward."
Among Americans with credit history, the average total debt load is nearly $54,000. But that number is significantly skewed once you factor in debt from mortgages. Americans with a mortgage have an average overall debt of about $209,000 compared with about $11,600 for those without a mortgage. Twenty percent of Americans with a credit report have no debt.
McBride cautions that mortgage debt isn't necessarily a negative financial indicator. （更多全球資訊點(diǎn)擊瀏覽） 
"Somebody with $400,000 in mortgage debt and no other debts could be in much better financial shape than the person with no mortgage debt but $10,000 in consumer debt," he says.
The states with the highest share of people with debt in collections are ranked relatively low when it comes to average mortgage debt, the data show. The researchers found mortgage debt is concentrated in high-cost, high-price areas, Ratcliffe says. The top 20% of areas with the highest mortgage debt account for almost half of all mortgage debt.