Analysis of 16,568 consumer bankruptcy filings across 85 federal courts reveals significant geographic concentration. Florida, Kansas, Missouri, and Texas lead the nation.
Analysis of 18,462 Chapter 13 cases reveals a national discharge rate of 41.2%, with rates ranging from near zero to over 60% depending on the district.
Updated Census Bureau median income figures for April 2026 raise Chapter 7 means test thresholds by 3-5%, potentially pushing more middle-income families into Chapter 13 repayment plans.
Pro se bankruptcy filers face dismissal rates 2-3x higher than represented debtors. As attorney fees rise, more consumers attempt to navigate federal bankruptcy without counsel.
Fee disclosures in consumer bankruptcy happen after retention, lack standardization, and sit behind PACER's paywall. Open Bankruptcy Project data reveals significant concentration in the consumer bankruptcy bar.