ANALYSIS    AIR DATE: May 1, 2012  After the Fall: People, Banks
'Still Cautious' on Credit, Debts   In another discussion in our
series After the Fall that examines what's changed and what
hasn't since the 2008 financial crisis, Jeffrey Brown discusses
consumer and marketplace attitudes toward credit and debt with
Adam Levin of Credit.com, James Chessen of the American Bankers
Association and Kathy Kristof of CBS MoneyWatch.  JEFFREY BROWN:
And we turn once again to our series After the Fall, our look at
what's changed and what hasn't since the financial meltdown of
2008.  In recent days, we have examined the housing market and
risk and regulation on Wall Street. Our focus tonight: consumers
and banks and attitudes toward credit and debt.  For that, we're
joined by Adam Levin, chairman and co-founder of Credit.com, a
consumer education advocacy group. He's former director of New
Jersey's Consumer Affairs Division, James Chessen, chief
economist for the American Bankers Association, an industry
trade group. A