US Consumer Bankruptcy Filings Increased in October,Commercial Filings Dip

October consumer filings up 8% from September, commercial filings fall 13%

November 18, 2025 — Burlingame, Calif. — Consumer bankruptcy filings rose 8% in October 2025 from September, for a total of 51,889 cases according to statistics obtained by G2 Risk Solutions (G2RS). Commercial filings fell 13% month-over-month in October to 1,043 cases.

Year-over-year (YoY) October consumer filings were up 12.55%, with 2025 totals nearly 11% higher than 2024. Commercial filings ticked up 1.56% YoY for October but remained down 1% for the year.

“The October data shows a continued squeeze on household finances, while commercial filings have softened and are down modestly for the year so far,” said Ryan Sanders, director at G2RS. “Consumers are still being asked to carry more, in the form of higher rates, higher costs of living, and heavier debt burdens. The consumer bankruptcy filings appear to reflect this.”

Sanders noted that G2RS is also closely watching bankruptcy data for impacts from the government shutdown, which was the longest in U.S. history. During this time, approximately 1.4 million federal civil employees went without pay.

Sanders suggested lenders and creditors may want to more closely monitor certain segments of consumer borrower portfolios for signs of increased stress.

G2RS monitors all bankruptcy filings nationwide.

About G2 Risk Solutions (G2RS)

G2 Risk Solutions is the definitive expert in risk and compliance business intelligence for financial institutions and online platforms. We are industry pioneers providing market-leading solutions for merchant risk, identity verification, digital commerce risk, and bankruptcy risk. We are driving innovation and shaping the future of risk management through unprecedented data, technology, and global compliance and risk expertise, providing the financial services and digital commerce ecosystems with the tools needed to navigate complex and ever-changing regulatory requirements and mitigate risk.To learn more, visit g2risksolutions.com.