Are you the average consumer debtor? If so then you are 38 years old, filing with your spouse (44%) or as a single woman (30%) or man (26%). You are probably better educated than the general population, and suffered a recent job loss (2/3’s of the time) or a serious health problem (1/2 the time). In fact, there is less than a 10% chance that you are filing for any reason other than job loss, a medical event, or divorce (the big 3). Chances are you also live in Tennessee, Utah, Georgia, or Alabama — the bankruptcy capitals of America.
Source: The Fragile Middle Class: Americans in Debt; Elizabeth Warren, Harvard Law School