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The Independent UK
The Independent UK
Business
J.R. Duren

Is your 401(k) at risk if you’re in debt? Here’s what you need to know to protect your retirement savings

Ashley Morgan IRS

The average American with a 401(k) becomes a millionaire in their 50s -but can debt collectors derail that plan?

Some 64 percent of debt collection agencies saw their number of consumer accounts increase or significantly increase in 2025, according to a 2026 industry report from credit bureau TransUnion.

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