Eight Texas cities, including Dallas and Houston, were in the top 10 locations with the most collection accounts, according to a WalletHub study. Cities with most debt collection accounts in 2025Garland, Texas Fort Worth, Texas Arlington, Texas Lubbock, Texas Henderson, Nevada Austin, Texas Reno, Nevada Plano, Texas Houston, Texas Dallas, TexasA closer look at the top citiesDig deeper:Three cities in Texas ranked as the top areas for debt collection accounts, and WalletHub offers an analysis of their findings. The number of collection accounts per person jumped 2% between the first quarter and second quarter of 2025. The average collection balance is $1,545, and the average collection balance rose 5%. The Source: Information for this story was provided by WalletHub, which created its rankings of the cities with the most debt collection accounts by comparing 100 of the largest cities across two key data points: Collection account status and change in average collection accounts.