How to File for Bankruptcy Online in Michigan
Most bankruptcies in Michigan can be handled online. Before deciding which online service is best for you, consider pricing and the level of effort required. Michigan bankruptcy is largely the same as in any other state, including the forms that are used. According to federal law, you must receive credit counseling before the bankruptcy process can begin.
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Instructions
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File Your Paperwork Through a Full-Service Bankruptcy Website
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Complete a "means test." The Federal government created a means test to help bankruptcy filers determine if they meet the minimum requirements to file for bankruptcy. Under the "means test," your monthly income cannot exceed Michigan's median income level. If your monthly income exceeds this amount, answer whether or not you can afford to pay at least $100 per month toward debt payments. If you can afford to pay at least $100 per month, file under Chapter 13. Chapter 7 clears dischargeable debts, whereas Chapter 13 reorganizes debt so you can repay it over time using a repayment plan.
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File online through a full-service bankruptcy website. Such websites prepare the required petitions for a bankruptcy filing--reducing the chance of error--and provide answers to questions about bankruptcy law. A full-service bankruptcy website acts in a similar way to a paralegal service. Get started by answering a few questions about your debt.
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Provide information about your debt. The website will enter this information into your bankruptcy forms. View a copy of your completed forms online. Sign and date the forms using an electronic signature. The bankruptcy website will file your forms with a local Michigan bankruptcy court.
File Your Paperwork Using a Software Program
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Complete the means test to ensure eligibility. Purchase personal bankruptcy software and handle your bankruptcy filing yourself. Download and complete Schedules A through J. Prepare a list of statements, which may include a Statement of Financial Affairs. Bankruptcy filing forms can vary from 40 to 100 or more pages, depending on the type of filing.
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Contact the State Bar of Michigan at 800-968-1442 if you come across something you do not understand and require assistance beyond the scope of the software program instructions. Ask for a list of individuals or organizations offering bankruptcy-related services on a reduced fee or pro bono basis. If you do not have questions, submit your bankruptcy forms online.
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Check the status of your bankruptcy filing. Contact the Voice Case Information Systems to receive updates on your online bankruptcy records. The Western Michigan district phone number is 616-456-2075, and the Eastern Michigan district phone number is 877-422-3066.
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Tips & Warnings
Pay court filing fees in installments. Meet the minimum requirement first--which may be as low as $50--and then pay the remaining monies in accordance with an installment agreement with the court. Pay the fee all at once if money is not an issue.
