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Which state has the most delinquent borrowers?

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States with the most bad debts

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

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