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October 23, 2014

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In this May 9, 2012, file photo, a Visa credit card is tendered at the opening of the Superdry store in New York's Times Square. More than 35 percent of Americans have debts and unpaid bills that have been reported to collection agencies, according to a study released Tuesday, July 29, 2014, by the Urban Institute.

Richard Drew / AP

In this May 9, 2012, file photo, a Visa credit card is tendered at the opening of the Superdry store in New York's Times Square. More than 35 percent of Americans have debts and unpaid bills that have been reported to collection agencies, according to a study released Tuesday, July 29, 2014, by the Urban Institute.