---
title: "Chapter 7 Bankruptcy Filings (YoY % Change)"
slug: chapter-7-bankruptcy-filings-yoy-change
summary: "In the 12 months through Q3 2026, bankruptcy courts logged 13.5% more Chapter 7 cases than a year earlier."
category: "Courts"
unit: percent
frequency: quarterly
direction: higher_is_worse
latest_value: 13.5
latest_period: "2026-Q3"
trend: unknown
trend_suppressed: "rate_of_change_series"
last_updated: "2026-10-23T00:00:00Z"
source: "Computed from Administrative Office of the U.S. Courts Table F-2"
source_url: https://www.uscourts.gov/data-table-numbers/f-2
canonical_html: https://americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/
citation_apa: "Kilburn, R. (2026). Chapter 7 Bankruptcy Filings (YoY % Change) [Data set]. American Default Research. https://americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/"
citation_chicago: "Kilburn, Ross. 2026. \"Chapter 7 Bankruptcy Filings (YoY % Change).\" American Default Research. https://americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/."
citation_mla: "Kilburn, Ross. \"Chapter 7 Bankruptcy Filings (YoY % Change).\" American Default Research, 2026, americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/."
---

# Chapter 7 Bankruptcy Filings (YoY % Change)

> In the 12 months through Q3 2026, bankruptcy courts logged 13.5% more Chapter 7 cases than a year earlier.

## Current Reading

As of 2026-Q3, Chapter 7 Bankruptcy Filings (YoY % Change) is **13.5%**.

## What Changed

- Chapter 7 filings over the 12 months through Q3 2026 were 13.5% higher than a year earlier, down from 15.5% in Q3 2025.
- The year-over-year change is down from 14.7% in Q2 2026, the reading a quarter earlier.
- The latest reading is the lowest year-over-year change since Q3 2023.

## Recent Values

| Period | Value |
|--------|-------|
| 2026-Q3 | 13.5% |
| 2026-Q2 | 14.7% |
| 2026-Q1 | 15.3% |
| 2025-Q4 | 14.8% |
| 2025-Q3 | 15.5% |
| 2025-Q2 | 17% |
| 2025-Q1 | 17.9% |
| 2024-Q4 | 18.9% |
| 2024-Q3 | 20.1% |
| 2024-Q2 | 19.2% |
| 2024-Q1 | 17.6% |
| 2023-Q4 | 15.9% |

## Historical Context

- Peak since 2018: **20.1%** in Q3 2024
- Low since 2018: **-28.6%** in Q2 2022
- Post-pandemic average (2020-01 – 2024-12): **-7.73%**

## Methodology

This indicator carries quarterly observations and is interpreted as higher values indicate worse household conditions. Source: Computed from Administrative Office of the U.S. Courts Table F-2.
Automation: collected automatically on the daily refresh pipeline, with no hand entry.

## Source

Computed from Administrative Office of the U.S. Courts Table F-2 — [https://www.uscourts.gov/data-table-numbers/f-2](https://www.uscourts.gov/data-table-numbers/f-2)

Data retrieved: 2026-10-23T00:00:00Z

## Related Indicators

- [bankruptcy-filings](https://americandefault.org/indicators/bankruptcy-filings/)
- [chapter-13-bankruptcy-filings-yoy-change](https://americandefault.org/indicators/chapter-13-bankruptcy-filings-yoy-change/)
- [the-wipeout-ratio](https://americandefault.org/indicators/the-wipeout-ratio/)

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/
- JSON: https://americandefault.org/api/indicators/chapter-7-bankruptcy-filings-yoy-change.json
- CSV: https://americandefault.org/api/downloads/chapter-7-bankruptcy-filings-yoy-change.csv
- BibTeX: https://americandefault.org/citations/chapter-7-bankruptcy-filings-yoy-change.bib
- RIS: https://americandefault.org/citations/chapter-7-bankruptcy-filings-yoy-change.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). Chapter 7 Bankruptcy Filings (YoY % Change) [Data set]. American Default Research. https://americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "Chapter 7 Bankruptcy Filings (YoY % Change)." American Default Research. https://americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/.

**MLA 9th**

    Kilburn, Ross. "Chapter 7 Bankruptcy Filings (YoY % Change)." American Default Research, 2026, americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.