Total Filings
16,821
#12 nationally
State profile · FY2024 · AOUSC
North Carolina Bankruptcy Filings
16,821 federal filings in FY2024 across 3 judicial districts and 10.70 million residents, Chapter 7, 11, 12, and 13, from AOUSC Judicial Caseload Statistics.
- 16,821
- Total filings FY2024
- 157.2
- Per 100k residents
- #32
- Per-capita rank
- 3
- Judicial districts
Data updated July 2026
The bottom line
North Carolina recorded 16,821 bankruptcy filings in FY2024 - 157.2 per 100,000 residents, the #32 lowest-to-mid rate among the 51 U.S. jurisdictions.
- 157.2
- filings per 100k
- #32
- per-capita rank (of 51)
- 44%
- Chapter 7 (liquidation)
- 54%
- Chapter 13 (repayment)
Statistical information only, not legal advice. Outcomes depend on attorney representation, district local rules, exemption law, and the means test. Consult a licensed bankruptcy attorney in North Carolina.
North Carolina chapter composition, FY2024
North Carolina chapter mix FY2024
Per 100,000
157.2
#32 per capita
Chapter 7
7,470
44% of total
Chapter 13
9,080
54% of total
Chapter 11
243
Business reorganization
Business
719
Of total filings
Peer states, per-capita filings near North Carolina
Rate per 100k population (decimal share) and total filings - North Carolina highlighted
Filing Trend by Year
Federal Districts in North Carolina
Economic Context
Source: BLS Local Area Unemployment Statistics →
3.5%
Unemployment (2023)
157.2
Filings per 100k Pop.
Understanding This Data
Bankruptcy filing rates vary by state due to differences in exemption laws, wages, cost of living, consumer credit access, and legal culture. High per-capita rates often reflect historical patterns in consumer credit use and cultural attitudes toward debt relief. This data is aggregate statistics, it cannot predict individual case outcomes.
Filing Rate Score
157.2
Filings per 100,000 population
#32
Per-capita rank among 51 jurisdictions
North Carolina has a relatively low per-capita bankruptcy filing rate, ranking 32 out of 51 jurisdictions.
What the North Carolina Data Shows
In FY2024, North Carolina recorded 16,821 federal bankruptcy filings across a population of roughly 10.70 million, producing a per-capita rate of 157.2 filings per 100,000 residents. That rate places North Carolina at #32 among the 51 reporting jurisdictions (lower-middle nationally), while its raw filing volume ranks #12. Chapter 7 liquidations account for 44% of the state's caseload and Chapter 13 repayment plans for 54%, a split that reflects the state's exemption laws, income distribution, and the degree to which homeowners use Chapter 13 to cure mortgage arrears rather than surrender property under Chapter 7.
Cases are processed across 3 federal judicial districts in North Carolina, with business filings totaling 719 in FY2024 (including 243 Chapter 11 reorganizations). The 10-year trend available from AOUSC covers FY2015–FY2024, during which total North Carolina filings declined 42.5%. Unemployment in this state is 3.5% (2023), a macro indicator that typically correlates with bankruptcy volume on a 6–12 month lag, alongside consumer debt levels, medical cost exposure, and credit tightening cycles.
These figures describe the aggregate population of court filings; they do not forecast any individual case outcome. The chapter mix, per-capita rate, and district-level distribution here are influenced by local rules, trustee practices, attorney fee conventions, and state exemption generosity, all of which can change the benefits and risks of each filing path materially. This page is statistical information only and is not legal advice; residents considering bankruptcy in North Carolina should consult a licensed bankruptcy attorney familiar with the specific district's procedures before relying on any pattern described above.
Frequently Asked Questions
How many bankruptcy cases were filed in North Carolina in FY2024?
North Carolina had 16,821 total bankruptcy filings in FY2024, ranking #12 nationally by total volume. Of these, 7,470 were Chapter 7 liquidation cases and 9,080 were Chapter 13 repayment plan cases.
What is the per-capita bankruptcy filing rate in North Carolina?
North Carolina had 157.2 bankruptcy filings per 100,000 population in FY2024, ranking #32 among all 51 U.S. jurisdictions. Per-capita rates account for population size and give a more comparable, like-for-like measure of filing activity than raw totals, though the rate is also shaped by state exemption laws and legal culture, not purely by financial distress.
Which bankruptcy chapter is most common in North Carolina?
Chapter 7 (liquidation) accounted for 44% of all North Carolina bankruptcy filings in FY2024. Chapter 13 (wage earner repayment plans) made up 54%. The Chapter 7/13 split varies by state based on income levels, exemption laws, and homeownership rates.
How many federal judicial districts are in North Carolina?
North Carolina has 3 federal judicial districts: Eastern District of North Carolina, Middle District of North Carolina, Western District of North Carolina. All bankruptcy cases are filed in federal court, not state court. Each district has its own bankruptcy court with local rules and procedures.
How does unemployment in North Carolina relate to bankruptcy filings?
North Carolina's unemployment rate was 3.5% in 2023. While unemployment and bankruptcy filings often correlate, the relationship is not direct, bankruptcy filings also depend on consumer debt levels, state exemption laws, legal costs, and access to credit. Rising unemployment can increase filings with a 6-12 month lag.
Bankruptcy Guides
Chapter 7 vs Chapter 13
What the data shows about which path filers choose.
The Means Test
How income determines Chapter 7 eligibility.
State Exemptions
What assets you can protect in bankruptcy.
Bankruptcy Timeline
From filing to discharge, step by step.
Business Bankruptcy
Chapter 11 restructuring trends and patterns.
Read our methodology - how this data is sourced, computed, and verified.
Related
Data sourced from Administrative Office of the U.S. Courts (AOUSC) Judicial Caseload Statistics. See our methodology for details. Retrieved and formatted by PlainBankruptcy Editorial
Every figure on PlainBankruptcy is rendered directly from federal court source data, no number is typed in by an editor. This page draws directly on federal court source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.