Bankruptcy / Michigan / Ecorse

Filing Bankruptcy in Ecorse: 7 Things You Need to Know

Written by Ben Tejes
Updated Apr 16th, 2024

You are considering filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy in Ecorse. Bankruptcy is a common debt relief choice. In fact, many people in Michigan have received bankruptcy relief, and Ecorse is no different. In fact, there were 18,630 bankruptcies filed in Michigan in the year ending June 30, 2021 (Source). With a population of 9570, I’d estimate a fair number of those were in Ecorse.

The purpose of this article is to provide an extensive list of filing bankruptcy in Ecorse including:

  1. Chapter 7 Bankruptcy in Ecorse
  2. Chapter 13 Bankruptcy in Ecorse
  3. Ecorse Bankruptcy Attorney Fees
  4. Finding a Reputable Bankruptcy Lawyer in Ecorse
  5. Estimating Loss of Belonging (i.e.
  6. Getting Bankruptcy Help in Ecorse
  7. Bankruptcy Alternatives and Conclusion

Without further ado, let’s get started with Chapter 7 bankruptcy.

Chapter 7 Bankruptcy in Ecorse

Chapter 7 bankruptcy is the most common consumer bankruptcy in the United States. People appreciate the simplicity of Chapter 7 bankruptcy, the cost of the Chapter 7 bankruptcy, and the speed of debt relief. For example, in Ecorse, you could get debt relief in about 120 days with a Chapter 7 bankruptcy.

One of the challenges of Chapter 7 bankruptcy in Ecorse is that you have to qualify. In order to qualify in Ecorse, you often have to pass the Michigan bankruptcy means test. You can estimate that qualification below in Ecorse. Let’s cover how you can qualify.

Chapter 7 Qualification

The first part of the means test is to understand your income in relation to the median income levels for Michigan. It considers the average family size and income.

To estimate your qualification, you can take the Ecorse Chapter 7 qualification calculator below that is specific to Ecorse.

Finally, the most recent Michigan median income levels is for cases filed on or after April 1, 2024, and can be found below. 

# of PeopleAnnual Income

If your income exceeds the median, you can move on to the second part of the means test to estimate qualification. The second part of the means test is to understand your actual expenses. You can check out our guide covering trying to qualify for Chapter 7 bankruptcy above the median.

For example, the average median rent amount in Ecorse is $821, but let's say your rent is almost double that amount. Could you potentially still qualify for Chapter 7 bankruptcy because of those additional expenses? What you are able to state as ab expense is limited, and you can refer to the current national standard for the maximum amounts, but you may want to speak with your attorney about this situation.

Which Could Would You File In If You Live In Ecorse?

Ecorse is located in the Michigan Eastern district, so our understanding is that you would be filing your bankruptcy in the Detroit bankruptcy court. Here's the estimated information we have for your court:

Detroit Bankruptcy Court
Address: 211 W Fort St STE 2100, Detroit, MI 48226
Phone: (313) 234-0065

Does that mean you would have to drive to court?

Not necessarily. 

Please note that main meeting for a Chapter 7 bankruptcy is the 341 meeting of creditors, which is often online via Zoom or another teleconference after the COVID-19 pandemic. 

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is known as a wage-earner bankruptcy. Chapter 13 bankruptcy is a voluntary reorganization of debt.  In Chapter 13 bankruptcy, the individual has debt that they can no longer manage and often own assets that exceed state and/or federal relief. Folks file Chapter 13 bankruptcy often when they do not qualify for Chapter 7 bankruptcy.  

Most individuals in Ecorse will qualify for Chapter 13 bankruptcy as long as they are below the debt limits.

Compared to Chapter 7, there is no liquidation in Chapter 13 Bankruptcy. Although, the discharge won’t be until around 3 to 5 years. The Chapter 13 bankruptcy will stay on your credit report for 7 years.

Ecorse Bankruptcy Attorney Fees

When looking for a bankruptcy attorney, we recommend that you look for these 5 attributes: Rate, Reliability, Referrals, Reviews, and Relevancy. You can check our guide to find a top bankruptcy attorney in Ecorse.

The estimated Chapter 7 bankruptcy lawyer fee in Ecorse is: $919 - $1997.

The estimated Chapter 13 bankruptcy lawyer fee in Ecorse is: $3,000. The Chapter 13 attorney fee is often set across the district, meaning that all Chapter 13 bankruptcy attorneys in a district may charge around the same fee.

Ecorse Bankruptcy Attorneys

One of the most important things to do is to find a reputable bankruptcy attorney in Ecorse if you decide to hire one. This is legal advice related to finances that are going to affect your future. For example, making sure you are in the right bankruptcy chapter (Chapter 7 vs Chapter 13) could cost you thousands more and take you years longer.

Chapter 7 Bankruptcy Lawyer

As stated above, Ecorse has a population of 9570. In many cases, individuals in larger cities such as Detroit or Grand Rapids would like a bankruptcy lawyer close by. In smaller cities, I have found that individuals have questions about whether the bankruptcy will show up in the newspaper or whether friends will hear about it. This is a valid question.

Regardless, you can check the Chapter 7 bankruptcy lawyers in or near Ecorse using the table below. You just need to input your zip code, and voila, you can choose which Chapter 7 bankruptcy lawyer you would like to speak to near or far away from Ecorse in a free bankruptcy lawyer consultation

Chapter 13 Bankruptcy Lawyer

Filing a Chapter 13 bankruptcy in Ecorse may be a bit more intensive, so you may consider a Chapter 13 bankruptcy that is closer to you. That said, with the internet and the pandemic, many of the meetings are now online and you can generally submit your documentation online as well.

How much a Chapter 13 bankruptcy attorney often charges is based on what's called a no-look fee. We do our best to track the Chapter 13 attorney fee in Ecorse.

Bankruptcy Exemptions in Michigan

As you live in Ecorse, you are often able to use the Michigan bankruptcy exemptions to help you keep your belongings.

One of the biggest questions people have is whether they are able to keep their homes in bankruptcy. This is where bankruptcy exemptions come into play. As Ecorse has a home ownership % of 58.8% and an estimated estimated home value of $42496, you can understand that many people want to keep this asset. You can often keep your assets using bankruptcy exemptions.

Here are the Michigan bankruptcy exemptions. The exemptions are revised on different occasions, so you may wish to check the most current information on exemptions. Also, as a reference, Michigan is a place that allows you to use federal bankruptcy exemptions. You often have to choose which one to use, so a bankruptcy attorney can help you with that option.

Homestead Exemption

The homestead exemption is often broken down by age and whether you are married. 

  • Single and under 65: $40,475
  • Single is 65 or older: $60,725
  • Married and under 65: $40,475
  • Married is 65 or older: $60,725

Michigan specific homestead bankruptcy exemption text: “Mich. Comp. Laws Ann. § 600.5451(n). $30,000 / $45,000 if 65+ or disabled. ; property cannot exceed 1 lot in town, village, city, or 40 acres elsewhere; spouse or children of deceased owner may claim homestead exemption.” (Source)

Automobile Exemption

The automobile bankruptcy exemption in Michigan is $3,725.

Jewelry Exemption

The jewelry bankruptcy exemption in Michigan is $4,050.

Tools of Trade Exemption

The tools of the trade bankruptcy exemption in Michigan is $2,700.

Wildcard Exemption

The wildcard bankruptcy exemption in Michigan is $0.

Special Exemption Handling for Michigan

Below is specific special handling of bankruptcy exemptions in Michigan.

  • Jewelry: up to $625 per item

Bankruptcy Help in Ecorse

Unemployment can cause both frustration and angst about options. The most recent statistic I found is that the Ecorse unemployment rate is 10.1%. There may be resources available to help. In addition to the unemployment rate, Ecorse has a disability rate of 25%. As such, if you are truly in need and don’t have income, there are resources that may be available that can help you.

Check out the legal aid and free resources that may be available in Ecorse.

Legal Aid and Free Resources

Here are some legal aid resources that may be helpful to you in Ecorse.

The bankruptcy court and district may have free resources that are available to you. I have included the information below. 

Lastly, Ecorse also has a limited English rate of 1.3% and a poverty rate of 33.3%. If you have limited English, you may check out the court websites for Michigan for additional information on how you can be served. You can also see how filing bankruptcy without an attorney can work if you cannot afford a bankruptcy lawyer.

Courts and Districts in Michigan

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

Debt Settlement in Ecorse

One of the most common alternatives to bankruptcy is debt settlement. A debt settlement firm would negotiate for a lower amount due on your debt in the case of financial hardship. The goal would be to reduce your debt in half. In this case, you would have a lower monthly payment.

If you are looking at debt settlement in Ecorse, you may want to consider a national debt settlement firm to a local one in Ecorse. For example, most of your creditors are probably national banks instead of local Ecorse banks. As such, you can potentially get lower fees by using a national firm. You should strongly consider the pros and cons and credit score impact before taking the plunge as Ascend only recommends 2 debt settlement firms nationwide that both offer free phone evaluations.


Chapter 7 bankruptcy and Chapter 13 bankruptcy in Ecorse can provide debt relief. That said, you may want to consider the cost of bankruptcy in Ecorse, the different bankruptcy chapters, reputable attorneys in Ecorse and alternatives to help you make the most informed decision. 

You can also take our Chapter 7 vs Chapter calculator below to help you estimate the cost and qualification of Chapter 7 bankruptcy and Chapter 13 bankruptcy in Ecorse.