A study released by Demos, a research and advocacy organization, may shed light on why some working families have credit card debt and others don't. The study, "Understanding the Debt Difference," is based on survey research of 2,248 low- and middle-income adults between April 2008 and August 2008

New York, NY — As new unemployment figures show a still-staggering 9 percent of Americans out of work, a new report from the policy center Demos examines the degree that low income American families use credit to weather economic shocks, and draws out the impact of credit card debt on families' long

Out-of-Pocket Medical Expenses Among Top Sources of Credit Card Debt

Demos Issues Statement on CARD Act and Upcoming Financial Regulation Debate; Publishes Background Paper on Consumer Financial Protection Agency

Demos Calls for Swifter Action As Issuers Continue to Slash Credit Limits and Ratchet Up Interest Rates and Fees

Findings Show Skyrocketing Costs, Dwindling Savings, Stagnant Wages and Medical Debt Major Factors New York, NY — As the recession continues to squeeze financially vulnerable American households, they are turning to credit cards to make ends meet, according to "The Plastic Safety Net: How Households

Today's 20-somethings are likely to be the first generation to not be better off than their parents." This is the first line of Economic State of Young America, a report released by Demos, a nonpartisan public policy think tank in New York City. And that's a troubling thesis for a generation that

New York, NY — This week Demos, a national, non-partisan public policy research and advocacy center, is pleased to announce two significant staffing changes: Tamara Draut has been named Vice President for Policy and Programs, joining Demos President Miles Rapoport in the executive leadership of the

Report Shows How Crisis Will Continue to Impact Small Business, Student Borrowers, Homeowners New York — The household economy — especially small business, homeowners and student borrowers — will continue to suffer during a sever tightening of lending credit and capital, in spite of the federal

Floor Vote Expected on September 23, 2008; Congress Urged Not To Weaken Consumer Protections In Bill