Share The debt-cycle arithmetic is coming due: 469,719 filings in nine months, a 46% spike in small-business reorganizations, and no reprieve in sight from a credit card rate that has been above 20% for more than three years. Key takeaways 469,719 total US bankruptcy filings (individual and commercial) were recorded January through September 2026, an 11% year-over-year increase, per the American Bankruptcy Institute and Epiq AACER. Subchapter V small-business Chapter 11 elections surged 46% year-over-year to 2,442, the sharpest stress signal in the data, as rate-sensitive businesses exhaust th
https://www.tftc.io/us-bankruptcy-filings-2026-rise-11-percent-subchapter-v-surge
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