Texas Bankruptcy Filings

What the Texas Data Shows

In FY2024, Texas recorded 39,421 federal bankruptcy filings across a population of roughly 30.50 million, producing a per-capita rate of 129.2 filings per 100,000 residents. That rate places Texas at #45 among the 51 reporting jurisdictions (bottom quartile nationally), while its raw filing volume ranks #2. Chapter 7 liquidations account for 60% of the state's caseload and Chapter 13 repayment plans for 38%, 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 4 federal judicial districts in Texas, with business filings totaling 2,421 in FY2024 (including 653 Chapter 11 reorganizations). The 10-year trend available from AOUSC covers FY2015–FY2024, during which total Texas filings declined 42.5%. Unemployment in this state is 4.1% (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 Texas should consult a licensed bankruptcy attorney familiar with the specific district's procedures before relying on any pattern described above.