During the Covid-19 pandemic, as the nation has grappled with health and financial crises, many people across the country have seen their debts rise and their ability to pay them fall.
As businesses cut back or closed, workers not only saw their income decline or disappear but also lost their medical insurance coverage. A Lending Tree survey published this March found that 60% of Americans were facing medical debt, with the amount exceeding $5,000 for 53% of them. (Click here to see how many people in your state are burdened with medical debt.)
But debt was already growing before the pandemic hit. In March, the Consumer Financial Protection Bureau and the Federal Trade Commission jointly released a report saying that U.S. consumer debt had risen to a record $14.3 trillion in the first quarter of 2020.
Overdue debts are frequently referred to collection agencies. The Urban Institute considers debt in collections “to include debt accounts (e.g., credit cards) that were previously more than 180 days past due and have been closed and charged off,” as well as unpaid student and car loans, medical and utility bills, parking tickets, child support payments, and membership fees that have been referred to a credit bureau.Â
Click here to see the counties where the most people have debt in collections.
To identify the counties where people are struggling the most in debt, 24/7 Wall St. reviewed data from the “Debt in America 2021” report, based on credit bureau information from 2020, published by the non-profit think tank the Urban Institute. Â
Debt collectors can be notoriously aggressive — and new rules from the Consumer Financial Protection Bureau will allow them, beginning at the end of November, to contact debtors via direct messages or friend requests on social media. (However, they will be prohibited from communicating on social media in a way that can be seen by the public.)
  Individuals in some parts of the country have more debt in collections than in others. Sometimes the differences are dramatic. McKenzie County, North Dakota, for instance, tops the list with a median amount of $4,972 in collections. (Here are the worst counties to live in.)
Source: Sean Pavone / iStock via Getty Images
50. Jackson County, Wisconsin
> Median debt in collections: $3,004
> Adults with any debt in collections: 24.6% — #2027 out of 2,934 counties
> Population: 20,522
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Source: DMartinez-Photo / Getty Images
49. Fairbanks North Star Borough, Alaska
> Median debt in collections: $3,008
> Adults with any debt in collections: 25.0% — #1992 out of 2,934 counties
> Population: 99,072
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Source: tristanbnz / iStock via Getty Images
48. Iron County, Utah
> Median debt in collections: $3,015
> Adults with any debt in collections: 22.8% — #2155 out of 2,934 counties
> Population: 51,213
46. Bledsoe County, Tennessee
> Median debt in collections: $3,016
> Adults with any debt in collections: 37.4% — #851 out of 2,934 counties
> Population: 14,836
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46. Medina County, Texas
> Median debt in collections: $3,016
> Adults with any debt in collections: 42.0% — #534 out of 2,934 counties
> Population: 50,057
Source: Bathlander / Wikimedia Commons
45. Jefferson County, Idaho
> Median debt in collections: $3,017
> Adults with any debt in collections: 17.3% — #2575 out of 2,934 counties
> Population: 28,534
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44. Caddo County, Oklahoma
> Median debt in collections: $3,025
> Adults with any debt in collections: 41.7% — #553 out of 2,934 counties
> Population: 29,242
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43. Cass County, Indiana
> Median debt in collections: $3,045
> Adults with any debt in collections: 35.8% — #982 out of 2,934 counties
> Population: 37,880
42. Bonner County, Idaho
> Median debt in collections: $3,050
> Adults with any debt in collections: 15.6% — #2678 out of 2,934 counties
> Population: 43,611
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Source: Courtesy of Lamb County Government
41. Lamb County, Texas
> Median debt in collections: $3,052
> Adults with any debt in collections: 51.2% — #126 out of 2,934 counties
> Population: 13,123
40. Pennington County, South Dakota
> Median debt in collections: $3,063
> Adults with any debt in collections: 17.9% — #2534 out of 2,934 counties
> Population: 110,685
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Source: raksybH / iStock via Getty Images
39. Gadsden County, Florida
> Median debt in collections: $3,066
> Adults with any debt in collections: 47.5% — #236 out of 2,934 counties
> Population: 45,945
Source: Nyttend / Wikimedia Commons
38. Perry County, Indiana
> Median debt in collections: $3,070
> Adults with any debt in collections: 23.2% — #2130 out of 2,934 counties
> Population: 19,102
Source: ChuckSchugPhotography / iStock via Getty Images
37. Wilson County, Texas
> Median debt in collections: $3,092
> Adults with any debt in collections: 36.0% — #969 out of 2,934 counties
> Population: 49,173
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Source: Upstateherd / Wikimedia Commons
36. Allendale County, South Carolina
> Median debt in collections: $3,108
> Adults with any debt in collections: 65.0% — #4 out of 2,934 counties
> Population: 9,024
Source: Skye Marthaler / Wikimedia Commons
35. Bollinger County, Missouri
> Median debt in collections: $3,113
> Adults with any debt in collections: 41.8% — #546 out of 2,934 counties
> Population: 12,225
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Source: Ammodramus / Wikimedia Commons
34. Dakota County, Nebraska
> Median debt in collections: $3,156
> Adults with any debt in collections: 24.6% — #2028 out of 2,934 counties
> Population: 20,173
33. Robertson County, Texas
> Median debt in collections: $3,169
> Adults with any debt in collections: 48.9% — #187 out of 2,934 counties
> Population: 16,990
Source: Kbh3rd / Wikimedia Commons
32. Texas County, Missouri
> Median debt in collections: $3,188
> Adults with any debt in collections: 33.3% — #1193 out of 2,934 counties
> Population: 25,604
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Source: prospective56 / iStock via Getty Images
31. Kenai Peninsula Borough, Alaska
> Median debt in collections: $3,191
> Adults with any debt in collections: 24.0% — #2073 out of 2,934 counties
> Population: 58,464
Source: zrfphoto / iStock via Getty Images
30. Natrona County, Wyoming
> Median debt in collections: $3,253
> Adults with any debt in collections: 30.5% — #1482 out of 2,934 counties
> Population: 80,333
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Source: Renelibrary / Wikimedia Commons
29. Marshall County, Oklahoma
> Median debt in collections: $3,267
> Adults with any debt in collections: 41.0% — #598 out of 2,934 counties
> Population: 16,505
Source: DenisTangneyJr / iStock via Getty Images
28. Franklin County, Texas
> Median debt in collections: $3,272
> Adults with any debt in collections: 41.4% — #574 out of 2,934 counties
> Population: 10,716
27. Runnels County, Texas
> Median debt in collections: $3,277
> Adults with any debt in collections: 37.4% — #855 out of 2,934 counties
> Population: 10,277
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Source: Z28scrambler / Wikimedia Commons
26. St. Helena Parish, Louisiana
> Median debt in collections: $3,280
> Adults with any debt in collections: 56.6% — #44 out of 2,934 counties
> Population: 10,297
Source: Bubba73 (Jud McCranie) / Wikimedia Commons
25. Long County, Georgia
> Median debt in collections: $3,316
> Adults with any debt in collections: 37.5% — #839 out of 2,934 counties
> Population: 18,692
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Source: Bill Lile / Flickr
24. Choctaw County, Oklahoma
> Median debt in collections: $3,321
> Adults with any debt in collections: 48.1% — #207 out of 2,934 counties
> Population: 14,807
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Source: csfotoimages / iStock Editorial via Getty Images
23. Shoshone County, Idaho
> Median debt in collections: $3,322
> Adults with any debt in collections: 24.7% — #2016 out of 2,934 counties
> Population: 12,609
Source: Richardelainechambers at English Wikipedia / Wikimedia Commons
22. Candler County, Georgia
> Median debt in collections: $3,372
> Adults with any debt in collections: 40.8% — #611 out of 2,934 counties
> Population: 10,812
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21. Goliad County, Texas
> Median debt in collections: $3,413
> Adults with any debt in collections: 41.7% — #555 out of 2,934 counties
> Population: 7,565
19. Plumas County, California
> Median debt in collections: $3,420
> Adults with any debt in collections: 24.9% — #1994 out of 2,934 counties
> Population: 18,660
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Source: NatalieMaynor / Wikimedia Commons
19. Jefferson County, Mississippi
> Median debt in collections: $3,420
> Adults with any debt in collections: 52.8% — #93 out of 2,934 counties
> Population: 7,225
18. Brown County, Indiana
> Median debt in collections: $3,447
> Adults with any debt in collections: 21.1% — #2294 out of 2,934 counties
> Population: 15,064
Source: usepagov / Flickr
17. Lincoln County, Montana
> Median debt in collections: $3,449
> Adults with any debt in collections: 20.0% — #2370 out of 2,934 counties
> Population: 19,537
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Source: BOB WESTON / iStock via Getty Images
16. Jim Wells County, Texas
> Median debt in collections: $3,469
> Adults with any debt in collections: 62.6% — #9 out of 2,934 counties
> Population: 40,972
Source: BOB WESTON / Getty Images
15. Andrew County, Missouri
> Median debt in collections: $3,494
> Adults with any debt in collections: 25.6% — #1929 out of 2,934 counties
> Population: 17,503
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14. San Jacinto County, Texas
> Median debt in collections: $3,519
> Adults with any debt in collections: 44.8% — #360 out of 2,934 counties
> Population: 28,180
Source: Discover Monticello, FL / Facebook
13. Jefferson County, Florida
> Median debt in collections: $3,528
> Adults with any debt in collections: 34.2% — #1127 out of 2,934 counties
> Population: 14,161
Source: BOB WESTON / iStock via Getty Images
12. Noble County, Oklahoma
> Median debt in collections: $3,551
> Adults with any debt in collections: 33.3% — #1193 out of 2,934 counties
> Population: 11,335
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Source: Ken Lund / Wikimedia Commons
11. Douglas County, Nevada
> Median debt in collections: $3,567
> Adults with any debt in collections: 19.9% — #2386 out of 2,934 counties
> Population: 48,132
10. Calhoun County, Texas
> Median debt in collections: $3,650
> Adults with any debt in collections: 49.3% — #178 out of 2,934 counties
> Population: 21,668
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8. LaGrange County, Indiana
> Median debt in collections: $3,709
> Adults with any debt in collections: 18.7% — #2463 out of 2,934 counties
> Population: 39,193
Source: warrenlemay / Flickr
8. Rush County, Indiana
> Median debt in collections: $3,709
> Adults with any debt in collections: 32.9% — #1246 out of 2,934 counties
> Population: 16,641
Source: diversey / Flickr
7. Lincoln County, Nebraska
> Median debt in collections: $3,738
> Adults with any debt in collections: 20.5% — #2343 out of 2,934 counties
> Population: 35,263
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Source: aduarteweb / Flickr
6. Liberty County, Florida
> Median debt in collections: $3,775
> Adults with any debt in collections: 40.1% — #654 out of 2,934 counties
> Population: 8,345
Source: BOB WESTON / iStock via Getty Images
5. Victoria County, Texas
> Median debt in collections: $4,151
> Adults with any debt in collections: 46.1% — #293 out of 2,934 counties
> Population: 92,109
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Source: Public Domain / Wikimedia Commons
4. Pike County, Indiana
> Median debt in collections: $4,185
> Adults with any debt in collections: 25.6% — #1926 out of 2,934 counties
> Population: 12,378
Source: Jerry Huddleston / Wikimedia Commons
3. Meade County, South Dakota
> Median debt in collections: $4,830
> Adults with any debt in collections: 14.9% — #2715 out of 2,934 counties
> Population: 27,717
Source: Tim Kiser / Wikimedia Commons
2. Richland County, Montana
> Median debt in collections: $4,918
> Adults with any debt in collections: 28.1% — #1718 out of 2,934 counties
> Population: 11,199
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1. McKenzie County, North Dakota
> Median debt in collections: $4,972
> Adults with any debt in collections: 31.0% — #1429 out of 2,934 counties
> Population: 13,334
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