Michigan Bankruptcy Chapter 13 Attorney

If you’re facing financial challenges and considering Chapter 13 bankruptcy in Michigan, our experienced attorneys are here for you. We specialize in helping individuals like you navigate through the process and find relief from overwhelming debt.

Start Your Path to Financial Freedom With Chapter 13 Bankruptcy in Michigan

Clear the Way, Eliminate Debts, and Secure Your Financial Future 

If you're facing financial challenges and considering Chapter 13 bankruptcy in Michigan, our experienced attorneys are here for you. We specialize in helping individuals like you navigate through the process and find relief from overwhelming debt.


With a focus on Michigan's bankruptcy laws, we provide tailored guidance and support to help you reorganize your debts effectively. Let our dedicated team assist you in taking control of your financial future.

Understanding Chapter 13 Bankruptcy

Chapter 13 bankruptcy in Michigan is a legal option designed to assist individuals in managing and restructuring their debts. This specific bankruptcy chapter is particularly tailored for those with a regular income, offering a framework to create a comprehensive repayment plan over a period of three to five years.

One of the primary features of Chapter 13 is the formulation of a debt repayment plan. Debtors submit this plan to the court, outlining how they intend to pay off their debts while considering their income, living expenses, and the amounts owed to creditors.

An automatic stay is initiated upon approval of the repayment plan, providing legal protection that prevents creditors from engaging in collection activities during the bankruptcy proceedings. This serves as a crucial relief for individuals facing financial challenges.

Unlike Chapter 7 bankruptcy, where certain assets may be liquidated to repay debts, Chapter 13 allows individuals to retain their property. Debtors can develop a plan to catch up on overdue payments for secured assets such as homes or cars.

Successful completion of the repayment plan can lead to the discharge of remaining eligible debts, offering individuals a fresh financial start. It’s important to note that Chapter 13 bankruptcy in Michigan adheres to specific state laws and regulations, requiring the expertise of a knowledgeable Michigan bankruptcy attorney to navigate the process effectively.

Qualifying for Chapter 13 Bankruptcy

Chapter 13 bankruptcy in Michigan is available for individuals with a regular income source, be it from employment, self-employment, alimony, or other stable sources. There are specific debt limits to qualify.

  • $465,275 for liquidated, non-contingent unsecured debts.
  • $1,395,875 for liquidated, non-contingent secured debts.[1]

Priority debts, including taxes and domestic support obligations, must be included in the Chapter 13 repayment plan. Before filing, individuals are required to complete credit counseling from an approved agency within 180 days. Additionally, those with a prior discharge in a Chapter 7, 11, or 12 case within a certain time frame may not be eligible for Chapter 13.

It’s essential to consult with our bankruptcy attorney to evaluate individual circumstances, as bankruptcy laws and criteria may change, and specific details can vary based on each case.

Pros and Cons of Chapter 13

In 2023, 4,504 cases were filed for Chapter 13 in the Eastern District of Michigan. [2]


Chapter 13 bankruptcy offers several advantages and disadvantages, tailored to individuals seeking debt relief. Here's an overview:



How Chapter 13 Works in Michigan
A Step-by-Step Guide

Filing a Chapter 13 bankruptcy in Michigan involves a structured process aimed at providing individuals with a manageable means of repaying their debts.


Here's a step-by-step guide to how Chapter 13 works:


Individuals must meet specific eligibility criteria, including having a steady income to support a repayment plan.


Before filing for Chapter 13, individuals are required to undergo credit counseling from an approved agency.

the Petition

Individuals initiate the process by filing a Chapter 13 bankruptcy petition with the bankruptcy court in Michigan.


Upon filing, an automatic stay goes into effect, preventing creditors from pursuing collection actions during the bankruptcy proceedings.

Repayment Plan

Individuals, with the assistance of their bankruptcy attorney, develop a proposed repayment plan outlining how they intend to repay their debts over the next three to five years.

of Creditors

A meeting of creditors, also known as the 341 meeting, is scheduled. Creditors have the opportunity to question the debtor about the proposed plan.


The court holds a confirmation hearing to review and approve the proposed repayment plan. Creditors and the bankruptcy trustee may raise objections if the plan does not comply with bankruptcy laws.


Upon court approval, the individual follows the confirmed repayment plan, making regular payments to the bankruptcy trustee.


After successfully completing the repayment plan, the court issues a discharge, releasing the individual from the remaining eligible debts.

Financial Management Course

 Individuals are required to complete a financial management course before receiving the discharge.


Upon discharge, individuals undergo post-bankruptcy counseling to reinforce sound financial practices.


The court closes the Chapter 13 case, marking the conclusion of the bankruptcy process.

It’s important for individuals considering Chapter 13 bankruptcy in Michigan to work closely with our experienced bankruptcy attorney to navigate these steps effectively and ensure the best possible outcome.

Chapter 13 Bankruptcy Checklist

Before Filing

  1. Credit Counseling
  2. Eligibility Assessment
  3. File Petition
  4. Financial Information Gathering
  5. Repayment Plan Creation

During Process

  • Attend 341 Meeting
  • Automatic Stay
  • Confirmation Hearing
  • Follow Repayment Plan

Non-Dischargeable Debts under Chapter 13 Bankruptcy

  • Certain tax debts
  • Child support and alimony
  • Criminal fines and restitution
  • Student loans (unless an undue hardship can be proven)
  • Debts not listed in the bankruptcy petition

After Confirmation

  1. Case Closure
  2. Financial Management Course
  3. Post-Bankruptcy Counseling
  4. Stay in Communication
  5. Successful Completion

Dischargeable Debts under Chapter 13 Bankruptcy

  • Credit card debt
  • Medical bills
  • Personal loans
  • Past-due utility bills
  • Certain types of tax debts
  • Business debts

Our Expertise in Chapter 13 Bankruptcy

We are a seasoned law firm specializing in Chapter 13 bankruptcy cases. With over 30 years of experience, our skilled attorneys have successfully guided numerous clients through the Chapter 13 process.

Our commitment to providing comprehensive legal support ensures that our clients receive personalized attention and tailored solutions to address their unique financial challenges. We pride ourselves on our track record of success, helping individuals regain financial control and work towards a debt-free future.

If you're considering Chapter 13 bankruptcy, trust our expertise to navigate the complexities of the process and achieve the best possible outcome for your financial well-being.

FAQs on Chapter 13 in Michigan

What is Chapter 13 Bankruptcy, and How Does it Differ From Chapter 7?

Chapter 13 bankruptcy involves reorganizing debts into a structured repayment plan, allowing individuals to retain their assets. Unlike Chapter 7, where some assets may be liquidated, Chapter 13 focuses on a manageable repayment schedule over three to five years.

Who is Eligible for Chapter 13 Bankruptcy in Michigan?

Eligibility for Chapter 13 is determined by income, debt limits, and financial circumstances. Individuals with a regular income who can meet the repayment requirements may qualify for Chapter 13.

How Does the Repayment Plan Work in Chapter 13?

A repayment plan is crafted, detailing how creditors will be paid over the specified period. The plan considers income, living expenses, and the value of non-exempt assets. Successful completion of the plan leads to the discharge of remaining qualifying debts.

What Debts Can Be Included in a Chapter 13 Repayment Plan?

Most types of debts, including mortgage arrears, credit card balances, and medical bills, can be included in the repayment plan. Some debts, such as child support, alimony, and certain taxes, must be paid in full.

How Long Does a Chapter 13 Bankruptcy in Michigan Typically Last?

Chapter 13 plans generally last three to five years, depending on the individual’s income and the specifics of the repayment plan. Completing the plan successfully leads to the discharge of remaining qualifying debts.