Quick Answer
What do I need for a Michigan chapter 7 bankruptcy?
A Michigan Chapter 7 filing requires the last six months of pay stubs, two years of tax returns, a full creditor list with addresses and balances, all bank and retirement statements, vehicle and property values, and a certificate from an approved credit counseling course taken within 180 days before filing. The court filing fee is $338.
Required Forms
- B101Voluntary Petition for Individuals
- B106Schedules A/B through J
- B122AChapter 7 Statement of Your Current Monthly Income (means test)
Documents to Gather
Filing Steps, In Order
- 1.Complete the approved credit counseling course
- 2.Run the means test against the Michigan median income for your household size
- 3.Gather six months of income and bank records
- 4.List every creditor — leaving one off can leave that debt unpaid and undischarged
- 5.Value your property and apply the correct exemptions
- 6.File the petition and schedules and pay the $338 fee
- 7.Attend the 341 meeting of creditors about 30 days later
- 8.Complete the debtor education course to receive your discharge
Costs (Estimated)
Court filing fee $338. 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.