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Debt Collectors Go After Blacks More Than Whites, Says Study

Black people are more likely to be called and harassed by debt collectors than whites, according to a new study.

The report comes from the NAACP Economic Department and Demos, which describes itself as a "public policy organization working for an America where we all have an equal say in our democracy and an equal chance in our economy."

The Huffington Post reports that the study found 71 percent of black people got calls from debt collectors, while 50 percent of whites were hounded.

There were “no significant differences in the number of times African Americans and whites were late on a credit card payment or faced a higher interest rate as a result,” says the study, according to

"African-American households are more likely to have been called by bill collectors because they are more likely to have blemishes on their credit history that would send debts to collection agencies," Catherine Ruetschlin, the author of the report, told The Huffington Post.

Mark Schiffman, a spokesperson for ACA International, a trade association for debt collectors, claims bill collectors are "color-blind."

"They don't get into the ethnic information," added Schiffman. "Their job is to collect the debt, not give out the credit."

However, neither the report or The Huffington Post ever suggested that debt collectors "give out the credit."

According to The Washington Post, many black people got burned by subprime loans issued by Wall Street, which advertised a great beginning "teaser rate," but then jacked the loan up sky high. noted that minorities were often targeted by mortgage companies and banks for subprime loans that were misrepresented.

Sources:, The Washington Post, Demos, The Huffington Post,


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