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What collection debt looks like in America: A mid-year lookย
In April 2025, Freedom Debt Relief reviewed data from tens of thousands of people actively looking for help with their debt. The numbers might be surprising.
- About one in four has at least one account in collections.
- The average collection balance is over $3,000.
- Most debt relief seekers have multiple overdue accounts.
- Many still use their credit cards, despite struggling with high balances and maxed-out cards.
This report examines debt collection in the U.S. It shows which states have the most debt and what this means for American familiesโ finances.
Key takeaways:
- One in four Americans seeking help with debt has at…