Chapter 13 - Wage Earner Reorganization
According to AOUSC Judicial Caseload Statistics, Chapter 13 (Wage Earner Reorganization) filings are tracked nationally FY2015–FY2024, with state-level rankings.
National trend FY2015–FY2024 · 38.6% of chapter-book filings in FY2024 · HEAVY/SOFT/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
192,249
Total Chapter 13 filings (Major chapter)
38.6%
Share of chapter-book filings (HEAVY)
Chapter 13 Filings by Year
States Ranked by Chapter 13 Filings
| Rank | State | Ch. 13 Filings |
|---|---|---|
| 1 | Georgia | 16,865 |
| 2 | Alabama | 13,381 |
| 3 | Texas | 12,587 |
| 4 | Tennessee | 11,645 |
| 5 | Florida | 11,639 |
| 6 | Illinois | 10,509 |
| 7 | California | 8,677 |
| 8 | Louisiana | 7,010 |
| 9 | Indiana | 6,770 |
| 10 | New York | 6,701 |
| 11 | Michigan | 6,473 |
| 12 | Virginia | 6,062 |
| 13 | Ohio | 5,946 |
| 14 | North Carolina | 5,601 |
| 15 | Pennsylvania | 5,582 |
| 16 | Kentucky | 5,165 |
| 17 | Mississippi | 5,064 |
| 18 | New Jersey | 5,046 |
| 19 | Missouri | 4,317 |
| 20 | Maryland | 4,054 |
| 21 | Arkansas | 3,930 |
| 22 | Wisconsin | 3,512 |
| 23 | South Carolina | 3,160 |
| 24 | Utah | 2,490 |
| 25 | Minnesota | 2,315 |
| 26 | Arizona | 1,949 |
| 27 | Kansas | 1,842 |
| 28 | Washington | 1,814 |
| 29 | Oregon | 1,726 |
| 30 | Massachusetts | 1,632 |
| 31 | Colorado | 1,511 |
| 32 | Nevada | 1,434 |
| 33 | Oklahoma | 1,166 |
| 34 | Nebraska | 779 |
| 35 | Connecticut | 562 |
| 36 | Delaware | 527 |
| 37 | Iowa | 463 |
| 38 | Hawaii | 422 |
| 39 | West Virginia | 297 |
| 40 | Rhode Island | 261 |
| 41 | Idaho | 243 |
| 42 | New Hampshire | 232 |
| 43 | New Mexico | 184 |
| 44 | South Dakota | 159 |
| 45 | Montana | 108 |
| 46 | Maine | 107 |
| 47 | District of Columbia | 102 |
| 48 | Wyoming | 66 |
| 49 | North Dakota | 59 |
| 50 | Alaska | 56 |
| 51 | Vermont | 47 |
Lower-band YoY chapter move
Chapter 13 FY2024 filings rose 9.6% vs the prior fiscal year, among the softest chapter moves in the AOUSC window.
Chapter 13 in the heavy-volume third
Chapter 13 (Wage Earner Reorganization) is a heavy-third book: 192,249 FY2024 filings (#2 of 4 by volume; 38.6% of the chapter book). Across the 10-year AOUSC window (FY2015–FY2024), Chapter 13 volumes fell 35.2% (latest YoY +9.6%).
In FY2024, Georgia led with 16,865 Chapter 13 filings; the highest-volume states include Georgia, Alabama, Texas, Tennessee, 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 · SOFT · BALANCED) describe aggregate court activity under the lower-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?
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 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 192,249 Chapter 13 bankruptcy filings nationally in FY2024 (#2 of 4 by volume; 38.6% 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, Alabama, Texas; Georgia holds 8.8% of this chapter book.
Read with Chapter 13
Nearest chapter-volume peer and stamp poles for Chapter 13 (HEAVY · SOFT · BALANCED), replacing the fixed Guides/Related strip.
Read our methodology - how this data is sourced, computed, and verified.