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bankruptcy filings surged by 18% in 2023 on the back of higher interest rates, tougher lending standards[,] and the continued runoff of pandemic-era backstops,” although the number of 445,186 filings was still below “the 757,816 bankruptcies filed in 2019[.]” [39] Again, negative trending, but not terrible. 2, 2024), available at [link]. [50]
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