Mirella Gonzalez, Helena Platt

FILE – In this Tuesday, Sept. 30, 2014 file photo, homeowner Helena Platt, left, of Atlanta, hands paperwork to Bank of America associate Mirella Gonzalez in an attempt to lower her monthly mortgage payment at a mortgage relief event by the Neighborhood Association Corporation of America, in Atlanta. U.S. household debt levels were mostly unchanged in the first three months of 2015, held back by tight mortgage credit standards and consumer reluctance to borrow heavily, the Federal Reserve Bank of New York said Tuesday, May 12, 2015. (AP Photo/David Goldman, File)