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Paul J. McCord, Attorney at Law

The MacQuarium Building
1800 Peachtree Street, Suite 620
Atlanta, Georgia 30309

(404) 840-5882


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According to the "2009 Annual Consumer Bankruptcy Demographics Report" prepared by the Institute For Financial Literacy®, the average American in financial distress and seeking credit counseling and financial education is a 35 to 54-year-old married Caucasian with a high school degree or some college who is employed and earning less than $30,000 per year. What differentiates the 2009 data from previous years' data is the increase in reported percentages of the following demographic groups:

Taken collectively, these individually measured demographic factors indicate that the 2008-2009 Great Recession is noticeably shifting more “middle class” Americans into bankruptcy. The complete "2009 Annual Consumer Bankruptcy Demographics Report" is available in the "Forms" section of this website.