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Michigan Bankruptcy Explained

Are you drowning in debt? Does paying your bills each month seem like a never-ending game of whack-a-mole?

The stress created by lugging backbreaking debt can damage more than your credit score — it can hurt your family relationships, your health, and your quality of life. When you can’t keep up with your bills, it can feel like the only thing you have time for is worrying.

A DebtStoppers bankruptcy plan can end the constant anxiety and set you on the road to financial freedom. We’ve helped thousands of families find the debt relief they need to move on with life, and we can help you start over too. Call or text us today at 313-880-3970 to schedule a free one-on-one debt analysis with one of our experienced Michigan bankruptcy lawyers.

Understanding Bankruptcy in Michigan

To initiate proceedings, your attorney will file a petition in the closest district court. Depending on which chapter you file, you’ll either wipe out your debts or consolidate them into a manageable repayment plan.

The moment you file, the court will issue an automatic stay, which is a court order that requires your creditors to stop trying to collect on your debts.

The stay prohibits activities such as:

  • Foreclosure
  • Repossession
  • Wage garnishment
  • Lawsuits
  • Collection calls and letters

Filing for bankruptcy in Michigan can give you the debt relief you and your family have been looking for. You can stop torturing yourself by trying to figure out how to pay your debts and start living your life again.


In Michigan, you can pick between Chapter 7 and Chapter 13 bankruptcies. Chapter 7 is a fast and legal way to eliminate your debts and get a new start. While the laws permit a trustee to sell off some of your belongings to repay debts, DebtStoppers clients rarely lose any of their possessions.

With Chapter 13, you reduce and restructure your debts into an affordable repayment plan. Rather than pay each creditor separately, you’ll make a single payment each month to a court-appointed trustee. As long as you stick to your 3-to-5-year plan, you’ll get to keep everything you own.

Bankruptcy in the Different Districts

Bankruptcy courts in Michigan are located in 8 cities within 2 districts. DebtStoppers practices in the Eastern District of Michigan, but your case should be filed in the court nearest to you.

The district court locations include:

  • Eastern District
    • Bay City
    • Detroit
    • Flint
  • Western District
    • Grand Rapids
    • Marquette
    • Kalamazoo
    • Lansing
    • Traverse City

Our greater Detroit offices are conveniently located in Detroit, but we serve families throughout Eastern Michigan, including Jackson and Saginaw.

Contact Us if You Need Additional Information or Help

A DebtStoppers bankruptcy plan is tailor-made to meet your family’s particular needs. We can end your stress and sleepless nights and give you the fresh start you deserve. Call or text DebtStoppers today at 313-880-3970 to request a no-obligation bankruptcy consultation with one of our skilled Michigan lawyers.

Life is too short to waste agonizing over your debts. The first step on the road to debt freedom is as simple as a call or text to DebtStoppers. Reach out today at 313-880-3970 to schedule a free financial review with one of our qualified Michigan attorneys. Don’t let another minute of stress-free life slip away!