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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.

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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 m

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