Bankruptcies in several districts have come down dramatically. In North West Ohio they’re down 29%. Read Here. In South Central Texas, they’re down nearly one third. Bloomberg reports that business bankruptcies are down 22% Nationwide. . One analyst attributes the decline in business bankruptcies in part to low interest rates. Perhaps most of the businesses and individuals who needed to file already have done so. But the foreclosure rate in my area has increased noticeably, perhaps because of the backlog or federal or local programs to stop them are coming to an end.