Quick Answer
What do I need for a Michigan chapter 13 bankruptcy?
Chapter 13 reorganizes debt into a three- or five-year repayment plan and can stop a foreclosure or repossession. The court filing fee is $313. You need six months of income records, two years of tax returns, a full creditor list, mortgage and vehicle loan payoff figures, and a realistic monthly budget — plan payments usually begin about 30 days after filing.
Required Forms
- B101Voluntary Petition for Individuals
- B113Chapter 13 Plan
- B122CChapter 13 Statement of Current Monthly Income
Documents to Gather
Filing Steps, In Order
- 1.Complete credit counseling
- 2.Confirm your debts are within the Chapter 13 limits
- 3.Build an accurate monthly budget showing disposable income
- 4.Calculate arrears that must be cured through the plan
- 5.File the petition, schedules, and proposed plan; pay the $313 fee
- 6.Start plan payments about 30 days after filing, before confirmation
- 7.Attend the 341 meeting and the confirmation hearing
- 8.Complete the debtor education course and finish the plan for discharge
Costs (Estimated)
Court filing fee $313. Credit counseling and debtor education courses typically $15–$50 each.
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Reviewed and updated by the Clear Path document team. Informational only — not legal advice.