FRB: G.19 Release-- Consumer Credit -- March 7, 2012
2007, 2008, 2009, 2010, 2011 r, Q4, Q1 r, Q2 r, Q3 r, Q4 r, Dec, Jan r, Feb p . Total amount (billions of dollars), 2522.5, 2561.8, 2450.1, 2408.3, 2494.5, 2408.3 .
http://www.federalreserve.gov/releases/g19/Current/

4102.0 - Australian Social Trends, March 2009
Dec 23, 2009 . At September 1990 the level of household debt was almost $190 billion . On the other hand, the total amount of equity households hold in their .
http://www.abs.gov.au/AUSSTATS/abs@.nsf/Lookup/4102.0Main+Features60March%202009

Debt Settlement Definition

Debt Settlement

America's Biggest Types of Personal Debt - CNBC
In today's economy, massive consumer debt has crippled the personal balance . By: Paul Toscano, Producer, CNBC.com | 27 Apr 2009 | 03:32 PM ET . The IRS's most recent total available number, $345 billion, is from tax year 2001, which .
http://www.cnbc.com/id/30438711/America_s_Biggest_Types_of_Personal_Debt

Credit card debt statistics Compiled by HoffmanBrinker.com
The Fed said the total outstanding credit card debt at the end of August 2009 was $899 . However the overall average number of credit cards per consumer is 4.
http://www.hoffmanbrinker.com/credit-card-debt-statistics.html

Who should I use?

BBC NEWS | Business | Personal debt dips for first time
Page last updated at 13:54 GMT, Tuesday, 1 September 2009 14:54 UK . The total amount of personal debt in the UK has fallen for the first time since records .
http://news.bbc.co.uk/2/hi/8231135.stm

Worst Cities For Credit Card Debt - Forbes.com
May 20, 2009 . In March 2009, outstanding consumer debt fell by $11.1 billion to $2.55 . Fla., where the average household owes 17.1% of its total income; Los . We found the average credit card debt per home by dividing the number of .
http://www.forbes.com/2009/05/20/american-consumers-overspending-lifestyle-real-estate-credit-card-debt.html

Why we are here?

Total U.S. Household Debt and Its Components ...
Jun 2, 2009 . The second chart shows the distribution of U.S. household debt as of the fourth . Comment by John Fontana June 2, 2009 @ 2:05 am .
http://chartingtheeconomy.com/?p=1210

U.S. Household Debt, 1975- 2007
mortgages, total household debt stood at $13.9 trillion in 2008. (Federal . 2000; at the start of 2009, the figure has risen to 76 percent. It would . ditions. In these respects, some level of consumer debt is a healthy and essential ingredient for a .
http://www.csa.com/discoveryguides/debt/review.pdf

What are the benefits?

HOUSEHOLD DEBT AND CREDIT
As of June 30, 2010, total consumer indebtedness was $11.7 trillion, a reduction of . The number of open credit accounts continued to decline, although at a . ( HELOCs) have fallen 4.4% since their respective peaks in 2008Q3 and 2009Q1.
http://www.newyorkfed.org/research/national_economy/householdcredit/DistrictReport_Q22010.pdf

Consumer Rights Under the Fair Debt Collection Practices Act
the total amount of consumer debt in the United States reached. $2.56 trillion . of 2009, is synchronous with the growing percentage of abusive debt collection .
http://www.jtexconsumerlaw.com/V13N3/V13N3_ConsumerVs.pdf

How can I save money?

CCCS Statistical Yearbook 2009 - Consumer Credit Counselling ...
carries a substantial backlog of consumer debt . The number of Debt Management Plans exceeded. 100000 . to a DMP declined in 2009 the total number of .
http://www.cccs.co.uk/Portals/0/Documents/media/reports/statisticsyearbooks/stats-yearbook-2009.pdf

When can I start?

SOPHISTICATED FINANCE - Personal Debt Trends Alarming
Jun 22, 2010 . The bankruptcy rate and debt defaults rose sharply in the last two years. . The total number of consumer bankruptcies filed in November 2009 .
http://sophisticatedfinance.typepad.com/sophisticated_finance/2010/06/personal-debt-trends-alarming.html

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Consumer Debt Statistics
The latest statistics from the Federal Reserve indicate that the total amount of consumer debt outstanding remained fairly steady in 2010. The total amount of .
http://www.money-zine.com/Financial-Planning/Debt-Consolidation/Consumer-Debt-Statistics/

The Financial Crisis at the Kitchen Table: Trends in Household Debt ...
We find that the level of household debt, after a sustained period of increase, began . offs on mortgage debt total around $600 billion between 2007 and 2009.
http://www.fdic.gov/news/conferences/brown.pdf

What Is the Average Debt Load of Americans? | eHow.com
The Federal Reserve reported in March 2010 that total U.S. household debt, . amount, the total actually represented the first drop in household debt since records . total assets of each American, the average U.S. resident's net worth in 2009 .
http://www.ehow.com/about_6329106_average-debt-load-americans_.html

Debt Settlement Program

American Consumer Debt Statistics | Consolidated Credit
This number has been greatly reduced during the economic downturn; prior to . Total bankruptcy filings reached 1.4 million in 2009; Total consumer debt per .
http://www.consolidatedcredit.org/credit-card-debt/consumer-debt-facts/

Consumers and the Economy, Part II: Household Debt and the Weak ...
Jan 18, 2011 . Our research suggests that a high level of household debt was an important factor . Total employment declined by 7% from the second quarter of 2008 to the . debt counties stabilized as early as the second quarter of 2009.
http://www.frbsf.org/publications/economics/letter/2011/el2011-02.html

Household debt in Canada
Mar 23, 2012 . The 2009 Canadian Financial Capability Survey (CFCS), supported by the . The total amount of household debt was particularly concentrated .
http://www.statcan.gc.ca/pub/75-001-x/2012002/article/11636-eng.htm

MALAYSIAN HOUSEHOLD DEBT:
Apr 1, 2011 . GDP in 2010 (2009: 76.0%) as GDP rebounded to 7.2% in 2010 . Although this level of household . dampen the rate of expansion of household debt. . accounted for 68% of total loan disbursements, before moderating to .
http://www.marc.com.my/home/userfiles/file/Malaysian%20Household%20Debt%20-%2015%20Apr%2011.PDF

Debt Part 2: Personal Debt and Consequences
collateral such as credit card debt or personal loans. For this reason . at sub- prime level. Figure 1: Change in level of debt by debt types 2008-. 2009. 0. 2000. 4000. 6000. 8000 . liabilities under 15000; total gross assets not exceeding .
http://www.oireachtas.ie/parliament/media/housesoftheoireachtas/libraryresearch/spotlights/Personal_Debt_and_Consequences.pdf

Consumers pay off 600m of debts as they batten down hatches ...
By Harry Wallop, Consumer Affairs Editor. 2:44PM BST 01 Sep 2009 . The fall in the total level of consumer debt, dipping to 1.46 trillion, means thousands of .
http://www.telegraph.co.uk/finance/personalfinance/6121759/Consumers-pay-off-600m-of-debts-as-they-batten-down-hatches.html

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Example of a Debt Negotiation

  • Credit Card Debt:
  • Spending, Debt Shot - Freedom Financial Network
    Jan 25, 2012 . The latest Federal Reserve statistics show that total consumer debt increased . While that percentage might seem small, Gallegos noted, the total amount consumers owe has gone . Consumer debt at its highest since 2009.
    http://www.freedomfinancialnetwork.com/Q4-2011.htm

  • Debt consolidation - Wikipedia, the free encyclopedia
    The level of personal debt in the UK has also risen astonishingly in recent years: "Total UK personal debt at the end of February 2008 stood at 1421bn.
    http://en.wikipedia.org/wiki/Debt_consolidation

  • Account in Collections:
  • America's Total Debt Report - summary page - by MWHodges
    household, business, financial and government sectors - . Total Debt in 2009 & 2010 stopped growing - like hitting a brick wall ! . FASTER than EVER - by more than $1.8 trillion, while private sector debt decreased by about same amount.
    http://grandfather-economic-report.com/debt-nat.htm

  • A Look at Consumer Debt Where You Live | The Bankruptcy Blog
    Feb 15, 2011 . Two recent studies suggest that consumer debt is on the rise again. . some sort of debt management program in 2009 or 2010 and found that, among . Further, though our total amount of revolving debt apparently dropped in .
    http://www.totalbankruptcy.com/blog/a-look-at-consumer-debt-where-you-live/

  • UK Personal Debt Levels Increase | Federal Management
    New figures reveal that the total amount of personal debt in the UK now stands at 1.456 Trillion. The figures are an increase on the corresponding period twelve .
    http://www.federalmanagement.co.uk/news/2012/03/uk-personal-debt-levels-increase/

  • Collecting Consumer Debts: The Challenges of Change
    The amount of consumer debt has risen dramatically. The . creditor; and (2) an itemization of (a) the principal, (b) the total of all interest, and (c) the total of .
    http://www.ftc.gov/bcp/workshops/debtcollection/dcwr.pdf

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UK Personal Debt Levels Increase | Federal Management
New figures reveal that the total amount of personal debt in the UK now stands at 1.456 Trillion. The figures are an increase on the corresponding period twelve .
http://www.federalmanagement.co.uk/news/2012/03/uk-personal-debt-levels-increase/

Collecting Consumer Debts: The Challenges of Change
The amount of consumer debt has risen dramatically. The . creditor; and (2) an itemization of (a) the principal, (b) the total of all interest, and (c) the total of .
http://www.ftc.gov/bcp/workshops/debtcollection/dcwr.pdf

America's Total Debt Report - summary page - by MWHodges
America's total debt approaching $60 Trillion, including the highest peacetime ratio. . Debt in 2009 stopped growing - like hitting a brick wall ! . (maybe, like this chart, your own personal or business debt is also going up faster than . by more than $1.8 trillion, while private sector debt decreased by about same amount.
http://mhodges701.home.comcast.net/~mhodges701/debt-nat.htm