Arizona’s bankruptcy picture continued to improve through the start of the holiday season, with the number of filings statewide dipping to a nine-month low.

The U.S. Bankruptcy Court reported 1,560 filings statewide in November. The figure was down 15 percent from November 2012, and marked the 34th consecutive month of improvement on a year-over-year basis.

Consumers remain wary about taking on more debt, with delinquency measures from credit cards to mortgages improving across the board. Also, home prices have been rising, and the employment picture continues to show subtle gains, marked by a surprise decline in the national jobless rate to a five-year low of 7 percent in November.

Arizona’s jobless rate stands at 8.2 percent for October, with the report on November employment scheduled to be released Dec. 19.

“The drop in consumer filings throughout the year reflects the continued deleveraging of the U.S. consumer after years of expanding consumer debt,” said Samuel Gerdano, executive director of the American Bankruptcy Institute.