ALEXANDRIA, Va. (10/7/11)--U.S. consumer bankruptcy filings fell 10% during the first nine months of the year, according to the American Bankruptcy Institute (ABI), citing data from the National Bankruptcy Research Center. Credit unions saw fewer loan delinquencies and loan net chargeoffs through the first half of 2011, according to the Credit Union National Association (CUNA). Consumer filings totaled 1,044,722 nationwide during the first nine months of 2011, from the 1,165,172 filings during the same period a year ago. September consumer bankruptcies declined 17% nationwide from September 2010. The overall consumer filings total for September reached 108,517, down from the 130,329 filings recorded in September 2010. “The trend of declining filings has been consistent with consumers continuing to reign in their spending, household debt, and an overall pull back in consumer credit,” said ABI Executive Director Samuel J. Gerdano. “Total consumer filings for 2011 will be less than 2010.” The September filings also represented a 4% decrease from the August total of 113,432 bankruptcy filings, a slight change that could be the result of one less day in the month, ABI said. The percentage of chapter 13 bankruptcy filings for September was 30%, a 1% increase from August. Credit unions’ consumer loan delinquencies inched down as of June to 1.09% of total loan outstanding from 1.15% in March, according to CUNA’s U.S. Credit Union Profile. Also, credit unions’ consumer loan net chargeoffs decreased as of June to 1.25% of average loan dollars outstanding from 1.48% in March, CUNA said.