08/18/2026
Chad Van Horn is correct!
Household debt remains near historic highs, even as some delinquency measures have stabilized. National averages can hide very different realities: one family may be paying balances down while another is relying on credit for groceries, insurance, or unexpected repairs. Your own payment history and monthly cash flow matter more than a headline. Review your options at https://www.vanhornlawgroup.com.