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Bankruptcies continue to have the greatest impact on middle-class families. Double-income working families who have scrimped for years are just not able to stay ahead of the game. Most of those filing for bankruptcy own homes, cars and have attended or graduated from college.
Medical-caused bankruptcies affect about 2 million Americans each year. Most of those seeking court protections from creditors did have health insurance – but the co-payments and ancillary costs not covered exceeded their ability to pay. Most consumers reported they had coverage at the start of the illness that triggered bankruptcy.
Illness frequently leads to the loss of both a job and insurance, large co-payments, out-of-pocket medical expenses and financial mismanagement are all reported as the top causes for requiring intervention from the courts.
Modus™ applies proprietary state-of-the-art techniques and “logical link” relationship algorithms to a database of scored household income levels, census data, self reported survey data, occupation/titles, mortgage data, home values and other targeted audience groups.
Modus Vivendi™ engages predictive scoring, comprehensive modeling and psychographic profiles with real time demographic data to provide a unique blend of targeted wealth data.
Wealth Master is available for list rental or enhancements.
Source : Public Filings |
