Why were so many drowning in debt in the south?

The debt numbers are derived from anonymized consumer-level records shared with Urban's researchers by a major credit bureau. Unpaid bills that creditors have either closed or are trying to collect are considered “in collections.” For example, unpaid credit card debt typically goes into collections after 180 days, according to the Urban Institute.

Iwould like a photo instead of all this and you can’t just go out asking for a paragraph thinking someone will be like oh yeah here it is