Consumers have hit a wall when it comes to repaying their debts since the collapse of the credit market in 2008, the American Bankers Association (ABA) said today.

After four years in which consumers paid down their debts and improved their personal balance sheets, repayment delinquencies rose slightly in the second quarter for most types of borrowing, rannging from auto to home to credit card loans, according to the ABA.

Overall, consumer delinquencies are still 25 percent below the 15-year average of 2.36 percent.

ABA Chief Economist James Chessin said delinquency rates are not likely to drop until income levels and job growth improve.

“It’s possible that delinquency rates will remain stuck in neutral for the foreseeable future,” he said.