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Peaks on the eve in 2007 at the end of the housing bubble on the eve of the second great crash. it started to come down, but there s a long way to go. sarah, i want you to tell me about the communities you work in, how the role that debt plays in peoples live there s, how it structures peoples behavior and the decisions they make. yeah. you asked before why debt resonates so much with people, it s because there s been this explosion in credit and indebtedness. and we work with mostly low-income people and people of color in new york city, and what s really plaguing them is abusive debt collection practices. so they re wildly indebted, over half of households making less than $50,000 now use credit for basic expenses. so, to cover, you know, food, medicine, utility bills, so forth because we don t have we had stagnant wages, we don t have a living wage. people are absolutely struggling. you have one unforeseen, you know, visit to the emergency ....
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