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