Bankruptcy / Michigan / Cost

Understand the Cost to File Bankruptcy in Michigan

Written by Ben Tejes
Updated Dec 1st, 2021

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. 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 Bankruptcy Attorney Fees 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. Chapter 7 bankruptcy attorneys in Michigan can cost between $1000 - $1500. The cost may increase or decrease based on complexity and location.

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 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).

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.

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