So you owe someone a little money.  Maybe the bank owns your car, house, boat, teeth, student-loan and who knows what else.

You are not alone.

80% of Americans owe someone, somewhere, some money. It might be a mortgage or student loan, or a five-year-old fee that got forgotten about, but the vast majority of us have some outstanding debt. And worse: a third of the country may have debt collectors chasing after them for that cash.

The Urban Institute today released two studies, Debt In America and Delinquent Debt In America, looking at who owes what and where.