The clerks at the bankruptcy courts must be so lonely and bored these days! Filings of all bankruptcy chapters have been down since 2010. Here are the statistics on bankruptcy filings issued by the U.S. Courts.
Further, as explained this this article in nerdwallet.com about recent consumer debt statistics, “overall credit card debt is down, and the average indebted household is less underwater relative to the average overall than before.”
I’m certain that there’s a correlation between the two, but until some smarty-pants researcher conducts a study on this issue, I can only speculate.