Who is it - credit the debtor?

The crisis has passed, but remained troubled borrowers. According to experts, people with poor financial discipline will always find reasons for his delay on the loan. But now we know, looks like a credit debt. Collection Agency Sequoia Credit Consolidation "conducted a study and found that the debtor of the loan - is a married man 34-36 years old with secondary education. He lives in the city and would prefer to hold large sums to buy a car, real estate. Average amount of debt is 98 thousand rubles. But it is in men. Sum of the average debt for women does not exceed 22.5 thousand rubles. Mortgage discipline, least of all debtors (2%) was among those who took a mortgage. About 15% of debts accumulated on car loans. A palm deservedly received the loans, which accounted for 77% of all delays. In 2008-2009, the debtors among the reasons for its delay indicated the crisis. Today, this excuse has come to naught, but finding other reasons for this: someone was ill, moved, changed jobs, there were unplanned expenses. Russians have become more attentive to their debts. Experts note that many fear is already spoiled credit history.