Falling behind on debt is a situation that no one wants to find themselves in, especially given outcomes associated with it, like having your account submitted to a collection agency.

An account in collections can severely impact your credit score and will stay on your credit report for many years.

WalletHub released a new study looking at cities nationwide struggling the most with debt in collections.

The personal finance website produced its rankings of the cities with the most debt collection accounts by comparing 100 of the largest cities across two key data points: Collection account status and change in average collection accounts and how those figures changed between the first and second quarters of 2025.

WalletHub then assessed those categories using four metrics which were

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