Consumer credit problems are taking their toll on more and more people, according to bankruptcy numbers released recently.

The National Bankruptcy Research Center (NBRC) reported that bankruptcy filings in November 2009 were up 12 percent from November 2008 figures. November 2009 also marked the ninth straight month that the number went past 100,000, as more than 110,000 bankruptcy filings were tracked.

Comparing the first 11 months of 2009 to the same time period in 2008, filings were up by 32 percent and have gone beyond the 1.3-million mark.

“Nationwide, the filings to date amount to almost 11,500 filings per million households,” the NBRC report stated.

Furthermore, the center saw Chapter 13 filings go up by 12 percent, while Chapter 7 requests increased by 42 percent. This rise comes despite a revision to the law that makes it more difficult to file for Chapter 7.

Regardless of the type of bankruptcy filed, it’s bound to affect the person’s credit score. A recent report from FICO noted that a bankruptcy can lower the filer’s credit score by as much as 240 points, depending on where it was prior to the filing.

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