Atlanta Chapter 13 Statistics -- Complete Data

Year-by-year breakdown of Chapter 13 bankruptcy outcomes in the Northern District of Georgia. All data from the Federal Judicial Center Integrated Database.

70.8%
Dismissal Rate (2008-2019)
245,569
Total Cases (2008--2024)
159,456
Total Dismissed
59,258
Total Discharged
44.8%
Prior Filer Rate
99.0%
2024 Dismissal Rate

Year-by-Year Breakdown -- N.D. Ga.

YearCases FiledDismissal RatePrior Filer RateTrend
200817,44772.5%38.8%
200918,16567.4%38.3%-5.1
201019,70766.0%37.0%-1.4
201121,97469.5%40.0%+3.5
201219,95769.3%43.0%-0.2
201317,21571.3%46.3%+2.0
201415,08771.7%46.7%+0.4
201515,59574.0%48.7%+2.3
201615,38174.8%49.0%+0.8
201714,87272.4%49.7%-2.4
201814,82472.0%49.6%-0.4
201914,43470.6%48.5%-1.4
2020*9,53569.0%49.5%-1.6
2021*5,83779.3%48.3%+10.3
2022*7,44992.3%49.3%+13.0
2023*8,96897.3%48.0%+5.0
2024*9,12299.0%46.2%+1.7

* Preliminary -- Chapter 13 plans run 3-5 years, so successful plans filed in these years are still active. Only early dismissals are reflected.

Methodology note: Chapter 13 plans run 3-5 years. Cases filed 2020-2024 are preliminary -- successful plans are still active, so only early dismissals are reflected. The headline rate uses 2008-2019 data where most cases have reached final disposition. Source: Federal Judicial Center Integrated Database.

Volume Analysis

NDGA's raw case volume is enormous:

  • Peak: 21,974 cases in 2011 -- one of the highest single-year totals of any district
  • Pre-COVID average: ~16,000 cases/year
  • COVID low: 5,837 in 2021
  • 2024: 9,122 cases -- and 99.0% dismissed

At 2024 rates, roughly 9,030 of those 9,122 cases will end in dismissal. Fewer than 100 filers per year are now receiving a discharge in this district.

Prior Filer Analysis

NDGA has the highest sustained prior filer rate of any major district. Key patterns:

  • The prior filer rate has been above 40% every year since 2011
  • It peaked at 49.7% in 2017 -- nearly one in two filers was a repeat
  • Even in 2024, 46.2% are prior filers despite the near-100% dismissal rate
  • The combination of high volume + high repeat rate + high dismissal = maximum consumer harm

An estimated 7,815 cases may have violated 1328(f) time bars -- the highest estimated violation count of any district studied.

Georgia Comparison

Georgia's three districts show significant variation:

  • NDGA (Atlanta): 70.8% dismissal, 245,569 cases, 44.8% prior filer rate
  • MDGA (Macon): 50.0% dismissal, 95,513 cases, 33.5% prior filer rate
  • SDGA (Savannah): 49.7% dismissal, 94,058 cases

The Atlanta district is dramatically worse than the rest of the state. Middle and Southern Georgia have dismissal rates in the 50% range -- still high, but far below NDGA's 70.8% overall and 99.0% current rate.

Key Findings

  • 159,456 dismissed cases represent one of the largest concentrations of Chapter 13 failure in the country
  • The dismissal rate jumped from 69.0% to 99.0% in just four years (2020--2024)
  • 44.8% prior filer rate is the highest sustained rate of any major district
  • 7,815 estimated 1328(f) violations -- the highest of any district analyzed
  • At 2024 rates, fewer than 100 out of 9,122 annual filers receive a discharge
  • 11.7% pro se rate -- most filers have attorneys, yet nearly all still fail
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