FY2024 data Public-data reference. official source

Chapter 13 - Wage Earner Reorganization

Name: Chapter 13 Bankruptcy Filings FY2015–FY2024
Creator: PlainBankruptcy
License: https://creativecommons.org/publicdomain/zero/1.0/

Compiled by PlainBankruptcy

Open-data reference.

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National trend FY2015–FY2024 · 39.3% of chapter-book filings in FY2024 · HEAVY/SURGE/BALANCED

Statistical information only, not legal advice. This page does not recommend whether to file.

What is Chapter 13?

Allows individuals with regular income to restructure debts and repay them over a 3–5 year plan. Filers keep their assets while catching up on mortgage arrears, car payments, and other priority debts.

Who Files

Individuals with regular income who want to save their home from foreclosure, keep non-exempt assets, or who do not qualify for Chapter 7 due to income.

Timeline

3–5 year repayment plan, then remaining eligible debts discharged.

FY2024 National

229,897

Total Chapter 13 filings

39.3%

Share of chapter-book filings (HEAVY)

Chapter 13 Filings by Year

Fiscal Year	Chapter 13 Filings	YoY Change
FY2024	229,897	+18.2%
FY2023	194,535	+30.3%
FY2022	149,293	+5.1%
FY2021	142,094	-25.6%
FY2020	190,992	-47.0%
FY2019	360,446	+0.2%
FY2018	359,787	+8.8%
FY2017	330,695	+4.2%
FY2016	317,310	-5.4%
FY2015	335,556

States Ranked by Chapter 13 Filings

Rank	State	Ch. 13 Filings	Total	Per 100k
1	Georgia	21,752	34,821	315.7
2	California	17,531	63,245	162.3
3	Tennessee	14,106	21,842	306.5
4	Texas	13,694	39,421	129.2
5	Florida	13,088	39,284	173.7
6	Alabama	9,251	16,842	329.7
7	North Carolina	9,080	16,821	157.2
8	Ohio	8,670	21,421	181.8
9	New York	8,400	26,421	135.0
10	Illinois	7,716	21,842	174.0
11	Pennsylvania	7,481	18,421	142.1
12	Virginia	6,677	13,421	154.0
13	Michigan	6,667	17,421	173.6
14	New Jersey	5,472	16,421	172.8
15	Indiana	5,380	13,241	193.0
16	South Carolina	5,357	9,421	175.3
17	Louisiana	5,288	11,421	249.7
18	Mississippi	4,786	8,321	283.1
19	Missouri	4,784	11,421	184.3
20	Maryland	4,642	10,241	165.7
21	Arizona	4,422	14,823	199.5
22	Kentucky	4,371	8,921	197.1
23	Oklahoma	4,345	9,421	232.4
24	Washington	2,948	11,421	146.2
25	Arkansas	2,811	5,841	190.4
26	Wisconsin	2,776	8,421	142.5
27	Minnesota	2,774	8,421	146.8
28	Nevada	2,444	9,841	308.1
29	Colorado	2,305	9,241	157.2
30	Kansas	2,249	5,621	191.1
31	Oregon	2,150	7,821	184.7
32	Massachusetts	2,145	7,821	111.7
33	Utah	1,838	7,421	217.1
34	Iowa	1,764	4,821	150.3
35	West Virginia	1,555	3,241	182.6
36	Nebraska	1,202	3,421	172.9
37	New Mexico	1,133	3,841	181.7
38	Connecticut	1,107	3,842	106.2
39	Idaho	949	2,941	149.7
40	Hawaii	895	2,841	198.0
41	Delaware	661	1,891	183.3
42	New Hampshire	449	1,821	129.9
43	Montana	436	1,421	126.6
44	Maine	423	1,892	134.9
45	Rhode Island	354	1,421	129.7
46	District of Columbia	303	742	109.3
47	Alaska	289	1,243	169.4
48	North Dakota	250	821	104.7
49	Vermont	250	921	142.2
50	Wyoming	248	921	157.7
51	South Dakota	229	821	89.3

Upper-band YoY chapter move

Chapter 13 FY2024 filings rose 18.2% vs the prior fiscal year, among the sharpest chapter moves in the AOUSC window.

Chapter 13 in the heavy-volume third

Chapter 13 (Wage Earner Reorganization) is a heavy-third book: 229,897 FY2024 filings (#2 of 4 by volume; 39.3% of the chapter book). Across the 10-year AOUSC window (FY2015–FY2024), Chapter 13 volumes fell 31.5% (latest YoY +18.2%).

In FY2024, Georgia led with 21,752 Chapter 13 filings; the highest-volume states include Georgia, California, Tennessee, Texas, Florida. Who uses this chapter: Individuals with regular income who want to save their home from foreclosure, keep non-exempt assets, or who do not qualify for Chapter 7 due to income. Expected timeline: 3–5 year repayment plan, then remaining eligible debts discharged.

Aggregate chapter stats only, not legal advice

FY2024 Chapter 13 figures (HEAVY · SURGE · BALANCED) describe aggregate court activity under the upper-band yoy chapter move read; they do not predict any individual filing outcome. Chapter choice, means-test eligibility, exemptions, and outcomes depend on state of residence, income, assets, and district practice. Statistical information only, not legal advice.

Frequently Asked Questions: Chapter 13

What is Chapter 13 bankruptcy?

Who is eligible to file Chapter 13?

Individuals with regular income who want to save their home from foreclosure, keep non-exempt assets, or who do not qualify for Chapter 7 due to income.

How long does Chapter 13 take?

3–5 year repayment plan, then remaining eligible debts discharged.

How many Chapter 13 cases were filed in FY2024?

There were 229,897 Chapter 13 bankruptcy filings nationally in FY2024 (#2 of 4 by volume; 39.3% of the chapter book). Filing data is from the Administrative Office of the U.S. Courts.

Which states have the most Chapter 13 filings?

The top states for Chapter 13 filings in FY2024 are Georgia, California, Tennessee; Georgia holds 9.5% of this chapter book.

Read with Chapter 13

Nearest chapter-volume peer and stamp poles for Chapter 13 (HEAVY · SURGE · BALANCED), replacing the fixed Guides/Related strip.

Chapter 7 (volume peer)

Nearest chapter-book volume peer to this heavy-third Chapter 13 series.

National FY2024

Compare this chapter rebound year to the national series

Chapter 7 vs Chapter 13

Repayment-plan mechanics next to liquidation volume

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from Administrative Office of the U.S. Courts (AOUSC) Judicial Caseload Statistics (AOUSC Judicial Caseload Statistics, Chapter 13 FY2024). See our methodology for details. Chapter 13 series (HEAVY · SURGE · BALANCED) retrieved and formatted by PlainBankruptcy, upper-band yoy chapter move.