ATLANTA, June 27, 2013 (GLOBE NEWSWIRE) -- Consumers continued to see their total debt decrease in most major U.S. metropolitan areas in the first quarter of 2013, though the sharp declines some markets saw in 2012 have leveled off, according to new National Consumer Credit Trends Report data from Equifax (NYSE:EFX). Overall consumer debt fell from $11.02 million in the first quarter of 2012 to $10.92 million in the first quarter of 2013. The decline in total consumer debt reflects mortgage debt write-offs as well as consumer efforts to pay down mortgage obligations; however, other forms of consumer debt are increasing. Over the past year, total mortgage and home equity debt obligations fell 3.1% to $8.4 trillion and total non-mortgage debt owed by consumers rose 7.1% to $2.5 trillion. Consumers in Las Vegas, Miami and Phoenix areas saw the biggest declines over the past year in total debt outstanding at 5.9%, 5.5% and 4.3% respectively. The housing bust hit these markets early and harshly, resulting in record numbers of foreclosures. In a completed foreclosure, the borrower cedes the property used as collateral on the loan to the lender and the debt is extinguished. Consumers in four markets increased their consumer debt from the first quarter of 2012 to the first quarter of 2013. In Dallas, Houston, St. Louis and Pittsburgh, consumers saw their total debt levels inch up. Houston was the only metro area among these four in which total mortgage debt also rose over the period. All four of these metro areas have diversified economies enjoying strong growth and relatively low unemployment supporting consumer willingness to take on additional debt. "It is encouraging to see credit demand and supply continuing to come into balance," said Trey Loughran, president of Equifax Personal Solutions. "Lack of access to credit impedes growth, and access to credit keeps the wheels of the economy moving."