According to a recent consumer sentiment survey of more than 2,000 Americans conducted by LendingTree, nearly half (48 percent) of consumers polled in September say they are dreading the holiday season. Would you say you are dreading the holiday season?

13 percent of survey respondents say they are still paying off last year's holiday bills. Are you still paying for last holiday's bills?

More than four in ten respondents in LendingTree's survey said they think they will incur some holiday shopping debt this year. Do you think you will incur any holiday debt?