About This Site
Serial filing -- the pattern of filing multiple bankruptcy cases in sequence, often with each case ending in dismissal before a new one is filed -- is one of the most studied and least understood phenomena in consumer bankruptcy. Some serial filers are genuinely struggling debtors who need multiple attempts to complete a plan. Others are using the automatic stay as a tactical delay against foreclosure or eviction with no intention of completing the bankruptcy process.
This site will present research data on serial filing patterns across federal bankruptcy courts, including filing frequency, dismissal rates by attempt number, geographic concentration, and the relationship between serial filing and attorney representation. We use public PACER data and FJC Integrated Database records to identify patterns at scale.
We will also cover the legal framework for serial filing, including Section 109(g) refiling bars, Section 362(c)(3) and (c)(4) stay limitations, and the court's power under Section 105(a) to impose filing bars on abusive serial filers.
Part of the Bankruptcy Transparency Network -- a growing collection of free, open-source bankruptcy information sites built on public court data. No advertising, no lead generation, no attorney referral fees. Real information, no strings.
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Explore Serial Filing Topics
Dive deeper into repeat bankruptcy filings and discharge timing: