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State profile · FY2024 · AOUSC

North Carolina Bankruptcy Filings

According to AOUSC Judicial Caseload Statistics, 8,603 federal filings were recorded in FY2024 across 3 judicial districts and 10.70 million residents, Chapter 7, 11, 12, and 13.

8,603
Total filings FY2024
Mid-volume state
80.4
Per 100k residents
Well below national median
#41
Per-capita rank
Bottom third
3
Judicial districts
More districts than typical

Data updated September 2026

The bottom line

North Carolina filings declined 45.9% across the 10-year AOUSC window ending FY2024.

80.4
filings per 100k
#41
per-capita rank (of 51)
34%
Chapter 7 (liquidation)
65%
Chapter 13 (repayment)

Statistical information only, not legal advice. Outcomes depend on district local rules, exemption law, and the means test. This page does not recommend whether to file.

B-
Financial-Stress Score
66/100
North Carolina · 2 of 2 dimensions reported

Based on this state's bankruptcy filing rate (AOUSC, per 100,000 residents) and its most recently reported unemployment rate, each benchmarked against every tracked state (50 states + DC). Lower filings and lower unemployment score higher; this is not a measure of overall affordability, cost of living, or quality of life.

Bankruptcy Filing Rate B+ 80.4 per 100K
Federal bankruptcy filings per 100,000 residents, FY2024 (AOUSC)
Unemployment Rate D 3.5%
State's most recently reported annual unemployment rate

Consumer vs business filings, FY2024

AOUSC case-type split of the same 8,603 filings shown above, orthogonal to the chapter mix below.

Per-capita filings vs peers and the national average

Left: nearby jurisdictions by FY2024 filings per 100,000 residents (AOUSC). Right: North Carolina rate on the same scale as the 51-jurisdiction peak, with the national average marked.

Peer per-capita rates near North Carolina

1. Hawaii81.72. North Carol.80.43. North Dakota71.34. South Dakota70.5
Filings per 100,000 residents, FY2024. North Carolina highlighted when present in the peer window. Source: AOUSC Judicial Caseload Statistics.
0374.451-jurisdiction avg14280.4
North Carolina 80.4 per 100k (0.57x the 142.3 national average; peak among 51 is 374.4). Denominator = residents; source AOUSC FY2024.

Where North Carolina sits: volume vs. intensity

Every jurisdiction plotted by FY2024 total filings (volume) against filings per 100,000 residents (intensity), with North Carolina highlighted among all 30. A large state can lead on volume without leading on rate, or the reverse.

30 jurisdictions by total filings (volume) and per-100,000-resident filing rate (intensity), FY2024. Source: AOUSC Judicial Caseload Statistics; population from U.S. Census Bureau estimates. 2×2 strategic matrix plotting 30 entities by Total filings (X) and Filings per 100k residents (Y), with a crosshair dividing the plot into four quadrants. High volume, high rateLow volume, high rateHigh volume, low rateBelow median on both 010,00020,00030,00040,00050,000 0100200300400 Total filings Filings per 100k residents North Carolina among all U.S. jurisdictions, FY2024
30 jurisdictions by total filings (volume) and per-100,000-resident filing rate (intensity), FY2024. Source: AOUSC Judicial Caseload Statistics; population from U.S. Census Bureau estimates.
View all 30 jurisdictions as a list
  1. California : 45,781 filings, 117.5 per 100k
  2. Florida : 35,569 filings, 157.3 per 100k
  3. Texas : 30,182 filings, 98.9 per 100k
  4. Georgia : 28,963 filings, 262.6 per 100k
  5. Illinois : 25,450 filings, 202.8 per 100k
  6. Ohio : 23,448 filings, 198.9 per 100k
  7. New York : 20,881 filings, 106.7 per 100k
  8. Michigan : 20,201 filings, 201.3 per 100k
  9. Tennessee : 19,926 filings, 279.6 per 100k
  10. Alabama : 19,124 filings, 374.4 per 100k
  11. Indiana : 15,921 filings, 232.0 per 100k
  12. Virginia : 14,245 filings, 163.4 per 100k
  13. New Jersey : 13,511 filings, 142.2 per 100k
  14. Pennsylvania : 12,265 filings, 94.6 per 100k
  15. Kentucky : 11,004 filings, 243.1 per 100k
  16. Arizona : 10,861 filings, 146.2 per 100k
  17. Maryland : 10,858 filings, 175.7 per 100k
  18. Missouri : 9,572 filings, 154.5 per 100k
  19. Wisconsin : 9,461 filings, 160.1 per 100k
  20. Louisiana : 9,175 filings, 200.6 per 100k
  21. Mississippi : 8,867 filings, 301.6 per 100k
  22. North Carolina (this state) : 8,603 filings, 80.4 per 100k
  23. Minnesota : 8,231 filings, 143.4 per 100k
  24. Washington : 8,176 filings, 104.6 per 100k
  25. Nevada : 7,992 filings, 250.2 per 100k
  26. Colorado : 7,496 filings, 127.5 per 100k
  27. Utah : 6,657 filings, 194.8 per 100k
  28. Oregon : 6,601 filings, 155.9 per 100k
  29. Arkansas : 6,571 filings, 214.2 per 100k
  30. Oklahoma : 6,467 filings, 159.5 per 100k

Source: AOUSC Judicial Caseload Statistics (filings) · U.S. Census Bureau Population Estimates →

North Carolina chapter composition, FY2024

North Carolina chapter mix FY2024

Chapters33.7%65.1%Ch 7, LiquidationCh 11, ReorganizationCh 12, Family farmerCh 13, Wage-earnerCh 15, Cross-border
8,603 filings • per-capita rate 80.4 per 100k • AOUSC Judicial Caseload Statistics

Total Filings

8,603

#22 nationally · Mid-volume state

Per 100,000

80.4

#41 per capita · Well below national median

Chapter 7

2,895

34% of total · Below national share

Chapter 13

5,601

65% of total · Above national share

Chapter 11

103

Business reorganization · Below national share

Business

358

Of total filings · Near national share

Peer states, per-capita filings near North Carolina

Rate per 100k population (decimal share) and total filings - North Carolina highlighted

HI

Hawaii

8.17% top marginal rate
Structure
Progressive
Burden @ $100K
$1,172
Selected

NC

North Carolina

8.04% top marginal rate
Structure
Progressive
Burden @ $100K
$8,603

ND

North Dakota

7.13% top marginal rate
Structure
Progressive
Burden @ $100K
$559

SD

South Dakota

7.05% top marginal rate
Structure
Progressive
Burden @ $100K
$648

Filing Trend by Year

5,00010,00015,00020,000 FY15FY16FY17FY18FY19FY20FY21FY22FY23FY24 8,603
Total bankruptcy filings in North Carolina by fiscal year. Source: AOUSC Judicial Caseload Statistics.
Year Total Ch. 7 Ch. 13
FY2024 8,603 2,895 5,601
FY2023 7,165 2,335 4,710
FY2022 6,144 2,038 4,042
FY2021 6,777 3,211 3,458
FY2020 10,454 4,530 5,791
FY2019 13,451 5,380 7,933
FY2018 14,148 5,823 8,175
FY2017 14,454 5,995 8,304
FY2016 15,275 6,174 8,954
FY2015 15,894 6,388 9,342

Federal Districts in North Carolina

Eastern District of North Carolina Middle District of North Carolina Western District of North Carolina

Economic Context

Source: BLS Local Area Unemployment Statistics →

3.5%

Unemployment (2023)

80.4

Filings per 100k Pop.

Filing Rate Score

80.4

Filings per 100,000 population

#41

Per-capita rank among 51 jurisdictions

North Carolina sits in the lower third for filings per 100k (#41 of 51) - low rates still leave room for Chapter 13-heavy pockets in individual districts.

Falling multi-year filing trend

North Carolina in the lower-rate third

In FY2024, North Carolina recorded 8,603 federal filings at 80.4 per 100k - a lower-third per-capita rate (#41 of 51); small absolute counts still matter when Chapter 13 share runs hot. Chapter 13 repayment plans are 65% while Chapter 7 is only 34% (lower-third Chapter 7 share) - homeowners curing arrears show up more often than straight liquidations.

Repayment-heavy dockets often track mortgage-arrears curing more than job-loss liquidations; unemployment here is 3.5% (2023). 3 districts; business filings 358 (Ch.11 103). Multi-year filings declined 45.9%.

These figures describe aggregate court filings; they do not forecast any individual case outcome. Statistical information only - not legal advice; this page does not recommend whether to file.

Next reads for a lower-rate state like North Carolina

Hawaii filing profile

Nearest per-capita peer (81.7/100k)

Eastern District of North Carolina

Lead district inside North Carolina

State filing rankings

North Carolina sits in the lower third - compare denser peers

State exemptions

Low-rate states often pair with generous exemption regimes
← All States National Trends → Hawaii filing profile →

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

What to do with this

North Carolina's own numbers, then where to compare them.

Figures are Administrative Office of the U.S. Courts (AOUSC) Judicial Caseload Statistics FY2024 filings - see the methodology page for how states and chapters are defined.

Data sourced from Administrative Office of the U.S. Courts (AOUSC) Judicial Caseload Statistics for North Carolina FY2024 (per-capita #41 of 51). See our methodology for details. North Carolina snapshot: 8,603 filings, 80.4/100k, Chapter 7 34% / Chapter 13 65%; retrieved September 2026 by PlainBankruptcy.