First of all this study explains the five patterns of consumption behavior of over-indebted debtors, then investigates the relation between the patterns and the characteristics of personality. Thirty- five over-indebted debtors were analyzed using the Yatabe-Guilford Personality Inventory. The results show that B type of the Yatabe-Guilford Personality Inventory appeared in more over-indebted debtors than standard samples. Furthermore the over-indebted tendencies were different between the characteristics of the personalies. It is suggested that the consumption behavior patterns may be caused by personality and the problem of educating the over-indebted debtors, is discussed.
