Bankruptcy / Michigan / Cost

How Much It Costs To File Bankruptcy In Michigan In 2024

Written by Ben Tejes
Updated Jan 11th, 2024

The cost to file bankruptcy in Michigan is $338 for a Chapter 7 bankruptcy and $313 for a Chapter 13 bankruptcy in 2024, but the answer becomes more nuanced if you decide to file with a bankruptcy attorney and if you are trying to get the filing fees waived. We were actually able to get an accurate estimate for how much the attorney fee range is in Michigan by spending approximately $1,000 on PACER, which is public records database that contains bankruptcy attorney fees. As of 2024, we found that the Chapter 7 attorney fee range can cost between $919 - $1997. This is still an estimate, so if it's helpful to get a location based estimate, please feel free to take the free Michigan bankruptcy cost calculator below that takes into consideration your exact location in Michigan.

If you are like me, you probably wonder how you can afford the cost of bankruptcy in Michigan when it’s difficult to pay bills, especially starting in 2024 as interest rates and inflation are still an issue. Many bankruptcy costs such as the filing fee and the credit counseling courses are relatively similar. That said, the cost of bankruptcy attorney fees may range dramatically whether you are in Detroit or Grand Rapids. 

The purpose of this article is to provide you with estimated all-in costs:

  1. Bankruptcy Attorney Fees
  2. Bankruptcy Filing Costs

Estimate the All-In Bankruptcy Cost in Your Zip Code

We received the question of how much a bankruptcy costs in Michigan so often that we built a database of attorney fees. Use your zip code below to estimate the cost of bankruptcy in your city in Michigan.

1. Bankruptcy Attorney Fees Michigan

A Chapter 7 Bankruptcy is often less expensive than Chapter 13 bankruptcy. As stated above, Chapter 7 bankruptcy attorneys in Michigan can cost between $919 - $1997. The cost may increase or decrease based on the following factors: Complexity, location, level of attorney connection, and the bankruptcy lawyer's expertise.

Here are some of the ranges of cost in major cities in Michigan.

Attorney Fees in Detroit

Detroit is the most populated city in Michigan with a population of 672,662. Bankruptcy attorneys in Detroit can cost an estimated $1,170.

Attorney Fees in Grand Rapids

Bankruptcy attorneys in Grand Rapids can cost an estimated $1,170.

Attorney Fees in Warren

Bankruptcy attorneys in Warren can cost an estimated $1,090.

2. Chapter 13 Bankruptcy Attorney Fees Michigan

Chapter 13 bankruptcy attorneys fees in Michigan can cost $3,000. The fee can depend on the district. 

While Chapter 7 attorney fees have variability, many Chapter 13 fees are relatively similar based on no-look fees, a reasonable cost for the service provided. You may still want to see whether the attorney charges an hourly rate for any additional work after filing the Chapter 13

3. Bankruptcy Filing Costs

Bankruptcy filing costs are pretty similar across the United States, not just Michigan. Here are the other costs to consider. 

Bankruptcy Filing Fees

The US Courthouse has a fee schedule and a bankruptcy form that provides the filing fee. 

The Chapter 7 bankruptcy filing fee is $338 ($245 filing fee $78 administrative fee + $15 trustee surcharge).

The Chapter 13 bankruptcy filing fee is $313 ($235 filing fee + $78 administrative fee).

If you cannot afford the filing fee, you may be able to pay the filing fee in installments or it could be waived altogether. For more information, please see the Michigan filing fee information and the information below

Michigan Filing Fee Waiver Guidelines

You may be eligible to have your Chapter 7 bankruptcy filing fees waived if you are below 150% of Michigan poverty guidelines. For example, you can see the guidelines below for cases filed within Michigan in 2022. 

# of People150% Poverty Guideline
* Add $5,380 for each individual in excess of 9.

Mandatory Course Costs

When you file bankruptcy, you have to take an approved credit counseling course in Michigan and a debtor education course. You can often take both courses online. The average cost may is around $10 to $50 per course. Please note that the courses must be approved, so here is the list of approved Michigan credit counseling courses and Michigan debtor education courses that should also have the cost associated with the course. 

Miscellaneous Costs

You may have to pay for transportation to the meeting of creditors at the courthouse. You may also have to pay for a credit report for your attorney (although they may be able to help you with the credit report).

You can estimate the cost of transportation to one of the bankruptcy courts below:

Eastern District

  • Theodore Levin U.S. Courthouse

    231 W. Lafayette Blvd.

    Detroit, MI 48226
  • Federal Building

    200 E. Liberty Street

    Ann Arbor, MI 48104
  • United States Post Office Building

    1000 Washington Ave.

    Bay City, MI 48708
  • Federal Building and U.S Courthouse

    600 Church Street

    Flint, MI 48502
  • Federal Building and United States Courthouse

    526 Water Street

    Port Huron, MI 48060


  • 399 Federal Bldg
    110 Michigan St NW
    Grand Rapids MI 49503
  • 113 Federal Bldg
    315 W Allegan St
    Lansing MI 48933
  • 107 Federal Bldg
    410 W Michigan Ave
    Kalamazoo MI 49007
  • 330 Federal Bldg
    202 W Washington St
    PO Box 698
    Marquette MI 49855

Will Inflation Affect the Cost To File Bankruptcy in Michigan?

With subsiding inflation in 2024, a question I’ve heard is whether inflation will slow to the extent that attorney fees may not rise. Let’s cover whether inflation may affect the filing fee and the attorney costs in Michigan.

The Chapter 7 bankruptcy filing fee was updated from $335 to $338, and the Chapter 13 bankruptcy filing fee was updated from $310 to $313 effective December 1st, 2020. Based on the very slight change, I would not expect the filing fee to negatively impact you.

You may see some inflation in attorney fee costs as inflation may force bankruptcy attorneys to pay more to employees and face higher costs of living themselves in cities such as Grand Rapids or Warren or across Michigan.

Would My Bankruptcy Cost Be Higher Detroit Than Warren?

You may live in a suburb in Michigan and wonder if you should hire a local attorney or an account in a bigger city like Grand Rapids to save on bankruptcy costs.

As Detroit has the highest population in Michigan of 672,662, you may expect that the cost of bankruptcy attorney fees may be higher in Detroit than Warren. 

While the cost may be higher in Detroit, there also may be more bankruptcy attorneys increasing competition and dropping prices. So, you actually could find that the total cost to file bankruptcy including bankruptcy fees could be actually much higher in your city than in Detroit. 

One thing to be aware of is that most bankruptcy attorneys offer free bankruptcy consultations, so you can get multiple perspectives. Also, our bankruptcy cost calculator below takes into consideration those variables when providing you with an all-in cost estimate. 

Why Do Some Attorneys Charge Higher Chapter 7 Bankruptcy Fees? 

You may compare prices from two different bankruptcy attorneys in Grand Rapids, and find attorney costs vary between two attorneys.

The Chapter 13 bankruptcy attorneys often charge the same amount regardless in Warren due to the no-look fee (a normal fee for the services provided). That said, the Chapter 7 bankruptcy attorney fee can vary greatly, so it's important to understand what you are getting for the additional cost.

The bankruptcy lawyer cost is often based on the following attributes:

  1. Which type of chapter you are filing (i.e. Chapter 7 vs Chapter 13)
  2. The complexity of your case (i.e. no asset vs asset)
  3. Your location (i.e. Detroit vs Grand Rapids
  4. Level of attorney connection
  5. Attorney expertise (i.e. how many years of experience)

For example, let’s say you make $10,000 above the median income for Michigan and still want to file a Chapter 7 bankruptcy. The attorney may then have to spend additional time looking over your expenses to see whether you would qualify for a Chapter 7 even though you are above the median. Additional attorney time generally means a higher overall bankruptcy cost.

If you are interested to learn more, please visit this article: Understanding Bankruptcy Lawyer Fees.


As you can see, the cost to file bankruptcy in Michigan is often based on the city in which you live and the type of bankruptcy that you are filing. The biggest variable that affects all-in bankruptcy cost is the attorney fee, which may range between  $919 - $1997 for a Chapter 7 bankruptcy and $3,000 for a Chapter 13 bankruptcy.

Hopefully, this article provides helpful information to help you understand the all-in costs to file bankruptcy with a bankruptcy lawyer. Please reach out if you have any questions or take the free Michigan bankruptcy cost calculator below.