While household debt has been on the rise in recent years, personal bankruptcy filings are also on the rise. The increasing number of personal bankruptcy filings suggests that the number of debtors facing a financially difficult situation is increasing and that their debt repayment is becoming more difficult. Although it is necessary to decide whether to operate the debt adjustment system more debtor-friendly in the future due to the rapid increase in household debt and the increase in personal bankruptcy filings, the basis for this judgment was insufficient. In the case of countries that have experienced household debt crisis in the past, the appropriate operation of a debt adjustment system during a crisis was an important factor in the size and duration of the economic shock. In this study, a personal bankruptcy judgment indicators that can be used to determine this problem was developed using portal search word data and its usefulness was examined. As a result of developing a judgment indicator based on search word data using the 'digital truth serum' attribute among the attributes of Big data, the strategic and exogenous bankruptcy indicators show the changes over time during the analysis period. Demographic and sociological characteristics of these indicators such as age and gender were also found. Therefore, it seems that appropriate financial education and policy support are needed for financial consumers who are in financial distress based on the results of the analysis results of these indicators in the future.