Research findings throughout the recession show the financial vulnerability of delinquent consumers has worsened and is bound to push these borrowers into even more severe stages of delinquency. The trend is shaped by economic and behavioral factors fueled by still-dropping house prices and high unemployment.

According to TransUnion, the number of consumers “rolling” their delinquency status on mortgage payments from 30 to 60 and 60 to 90 days past due peaked in July 2009.

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