BANKRUPTCY INSIGHTS
Monthly U.S. Bankruptcy Filings Reports, Trends, and Commentary
Two Consecutive Months Defying Expectations, and the Pre-Covid Gap Narrowing Faster Than at Any Point This Year
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According to AIS bankruptcy filing data, U.S. bankruptcies totaled 54,709 in July, up 10.19% from July 2025 and the highest July total since 2019. June-to-July is historically a near-flat transition. This year filings rose 4.6%, marking two consecutive months defying their seasonal patterns in the same direction.
Through seven months, 2026 filings total 365,337, running 11.95% ahead of the same period in 2025. The YTD gap to pre-Covid norms narrowed to 19.67%, the largest single-month improvement of 2026.
Chapter 7's share of consumer filings stabilized at 63.8% in July, consistent with June's 63.7%, following a peak of 66.6% in March. The liquidation shift that defined Q1 appears to have run its course.
On the commercial side, Subchapter V rose 23.7% year over year, pointing to continued small business pressure building beneath the surface of consumer-driven national totals.
Read the full July 2026 Bankruptcy Insights Report and latest commentary on July bankruptcy filing trends.
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