they found unpate hospital bills, student debt and gym memberships are piling up. the debt is overwhelmingly consenscentrated in south herb nevada states. nevada and texas have unusual high households with debts in collections. what do you need to know if you're an american facing debt collection? tim mower joins us with he's director of personal finance. tim, great to see you. thank you for rejoining us. i thought our debt problems were getting resolved, that total debt was coming down and these problems had gone away, but it seems like the number of households with debt in collections is high, hasn't budged. >> i think it may be a result of the crisis that we had in the past with mortgage debt. that was so much bigger and so much more of an issue, that's where all of our focus went at the time but think about this, and especially when you look at the different geographic areas suffering so much. some of the areas hit the hardest economically in the downturn recession, those folks may have had to defer some bills for money they owed. they may be in denial but i th