Bankruptcy Risk Outlook: January-June 2026

Filings hit 310,529 through June, up 12.9% year over year. Chapter 7 is driving that growth, up 15.7% compared to 8.4% for Chapter 13, a sign more consumers are running out of repayment options.

Backed by 30+ years of bankruptcy data and monitoring across 1B+ accounts, this report breaks down the filing trends, the Chapter 7 vs. Chapter 13 divergence, and what elevated volume means for credit unions, debt buyers, trustees, and attorneys.

Get the numbers behind the headlines.