The popularity of high-loan-to-value mortgages indicates to one analyst that consumer bankruptcies will continue to soar, given the historical link between these loans and bankruptcy filings.

Since 1980, bankruptcy filings have moved in tandem with the loan-to- value ratio on new mortgages, said Mark Zandi, chief economist at Regional Financial Associates, a West Chester, Pa., consulting firm. A record 1.3 million Americans filed for bankruptcy last year.

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