The economic collapse of October 2008 continues to take its toll, as indicated by unemployment figures and bankruptcy filings. But even before the fall, there were signs that the age and socioeconomic profile of Americans in financial trouble were changing. Those findings are published in a national study by a Portland-based non-profit. Keith Shortall spoke with Leslie Linfield, Executive Director of the Institute for Financial Literacy, which gathered survey data from more than 45,000 Americans, and discovered a shift in the demographics of bankruptcy.

Back in the good old days -- say 2006 -- the average American who got into financial distress and sought out credit counseling was a 35- to 44-year-old married Caucasian with a high school degree or some college, and was employed, but earning less than $30,000 per year. That's still largely true, but researcher Leslie Linfield says that the demographics shifted last year.

To view the study, click here.