Which state has the most delinquent borrowers?

Are you a delinquent debtor?

About 5 percent of consumers with credit files are past-due on an account and another 35.1 percent have a debt in collections, according to a new report from the Urban Institute. The report is based on 2013 data from credit bureau TransUnion.

How much these consumers owe varies, with some on the hook for less than $25 and others, more than $125,000. The average: $5,178.

Click ahead to see which states have the highest rates of consumers with debt in collections

Read MoreA credit report surprise: Delinquent debts

—By CNBC's Kelli B. Grant
Posted 2014 July 29

• Average non-mortgage debt: $16,143
• Residents whose credit files have past-due debt: 5.8%
• Residents whose credit files have debt in collections: 41%
• Average debt in collections: $6,396

• Average non-mortgage debt: $14,615
• Residents whose credit files have past-due debt: 5.4%
• Residents whose credit files have debt in collections: 41.5%
• Average debt in collections: $4,697

• Average non-mortgage debt: $15,097
• Residents whose credit files have past-due debt: 5.9%
• Residents whose credit files have debt in collections: 41.7%
• Average debt in collections: $5,604

• Average non-mortgage debt: $15,896
• Residents whose credit files have past-due debt: 4.5%
• Residents whose credit files have debt in collections: 41.8%
• Average debt in collections: $3,547

• Average non-mortgage debt: $14,301
• Residents whose credit files have past-due debt: 6.6%
• Residents whose credit files have debt in collections: 41.9%
• Average debt in collections: $4,420

• Average non-mortgage debt: $15,228
• Residents whose credit files have past-due debt: 6.1%
• Residents whose credit files have debt in collections: 42%
• Average debt in collections: $4,649

• Average non-mortgage debt: $15,162
• Residents whose credit files have past-due debt: 8.7%
• Residents whose credit files have debt in collections: 43.8%
• Average debt in collections: $4,194

Texas

• Average non-mortgage debt: $15,362
• Residents whose credit files have past-due debt: 7.6%
• Residents whose credit files have debt in collections: 44.7%
• Average debt in collections: $5,049

Mississippi

• Average non-mortgage debt: $14,201
• Residents whose credit files have past-due debt: 7.2%
• Residents whose credit files have debt in collections: 44.7%
• Average debt in collections: $4,413

• Average non-mortgage debt: $15,994
• Residents whose credit files have past-due debt: 6.5%
• Residents whose credit files have debt in collections: 46.2%
• Average debt in collections: $5,606

• Average non-mortgage debt: $14,854
• Residents whose credit files have past-due debt: 5.4%
• Residents whose credit files have debt in collections: 46.9%
• Average debt in collections: $7,198