Western District of Kentucky

What the Western District of Kentucky Data Shows

In FY2024, the Western District of Kentucky processed 4,283 federal bankruptcy petitions. Chapter 7 liquidations made up 60% of the caseload (2,578 cases), while Chapter 13 wage-earner repayment plans represented 38% (1,628 cases). Chapter 11 reorganizations — the path used by most complex corporate debtors — totaled 71, and Chapter 12 cases for family farmers and fishermen totaled 6. Business filings accounted for 3.6% of the district's total activity, with the remaining 4,128 filings classified as consumer cases.

AOUSC data for this district covers 10 fiscal years (FY2015–FY2024). Across that window, total filings fell 42.5%, with a pronounced trough during FY2020–FY2022 when federal pandemic relief programs suppressed filings nationwide. The district's Chapter 7 versus Chapter 13 mix is shaped by the presiding state's exemption laws, local attorney fee conventions, standing orders from the bankruptcy judges, and trustee practices — factors that can shift material outcomes like whether a debtor keeps a home or surrenders it.

These counts describe the population of filings in this district; they do not describe the success rate of any given case or predict how an individual filing will resolve. Chapter 13 completion rates, for example, vary widely between districts even within the same state, and Chapter 11 outcomes depend heavily on case-specific financing, creditor negotiations, and court-approved plans. This page is statistical information only and is not legal advice; anyone considering bankruptcy should consult a licensed attorney who practices in the Western District of Kentucky before relying on district-level averages for a personal decision.