48911 Michigan Free Bankruptcy Forms for Lansing, MI 48911 - Michigan Western District Bankruptcy Court


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MI Bankruptcy InformationBankruptcy Forms for the
Michigan Western District Bankruptcy Court

This page begins with a discussion of forms required, generally, for any bankruptcy.
For forms specific to the the Michigan Western District Bankruptcy Court, click here.

 

Required forms & fees

Each court has its own local rules, but the basic bankruptcy consists of the forms you see listed in the table below, plus any additional forms your local court may require.


Timeliness note: Always check that the date on the form you're using is the date of the form your court currently requires -- or will require in the future, on the date you're planning to file. Each form has a a month and year in the upper right corner.

Sometimes forms are updated and change several times during a year, and other times there may be no changes for a year or more. We make every effort to keep the links on this page up to date, but it's essential that you confirm with your local court that you are using what they consider to be the current version of all forms.


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Basic Forms You Will Need in Any Court

The Michigan Western District Bankruptcy Court has additional local forms and requirements, too. See below.

The information below is based on an uncommonly clear and helpful chart from the Federal Bankruptcy Court of the Western District of Wisconsin. These are the basic requirements for any Chapter 7 bankruptcy.

In both chapter 7 and chapter 13, the following are required to start the bankruptcy (minimum filing requirements):
  1. Voluntary petition (revised 4/10) Must be signed by the debtor(s). Pro se debtors must include a day time phone number with area code.
    Form B1 - Exhibit D to Voluntary Petition - Individual Debtor's Statement of Compliance with Credit Counseling Requirement (new 10/06)

  2. Filing fee, or an application to pay filing fees in installments, or a fee waiver (in forma pauperis). Make all fees payable to: U.S. Bankruptcy Court. Chapter 13's must be paid in full or through the Plan.
    A fee waiver may ONLY be used for a chapter 7 filing. Qualifiying for a fee waiver. Poverty Guidelines.

  3. Creditor Matrix A diskette or CD containing the names and addresses of all creditors is preferred, however, you may submit it in paper form.

  4. Statement of Social Security Number(s) signed by debtor(s). Non-debtor spouse information must be added to this document. Policy on Privacy

  5. Certificate of credit counseling and debt repayment plan if any. Visit the U.S. Trustee's site to find information on credit counseling and debtor education.

  6. Form 19 - Declaration & Signature of Non-Attorney Bankruptcy Petition Preparer (if applicable)

  7. Form B280 - Statement disclosing compensation paid or to be paid to a bankruptcy petition preparer (if applicable)

Where do I file my case?

Privacy Warning

The following schedules and statements must be filed with the voluntary petition, or no later than 14 calendar days after filing the voluntary petition:

More information on the requirements of the Office of the U.S. Trustee

341 notice and deadlines - Notice of bankruptcy case filing, meeting of creditors, & deadlines will be sent to the debtor and all creditors listed on the matrix within 7 to 10 business days. The debtor (both spouses in a joint case) must be present at the meeting to be questioned under oath by the trustee and by the creditors. Pro se debtors should also be familiar with Bankruptcy Code � 521, Rule 4002 of the Federal Rules of Bankruptcy Procedure.

  • Due 7 days before the date set for the Section 341 meeting of creditors: Provide the trustee with a copy of the Federal income tax return (or transcript of return) for the most recent tax year ending before filing. Tax return privacy information
The following statement must be filed with the voluntary petition, or no later than 30 calendar days after filing the voluntary petition:
Due before the discharge is granted:
Other Forms:
Miscellaneous:

Chapter 13 filings require slightly different forms.

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st Local Forms Required by the Michigan Western District Bankruptcy Court

Every local bankruptcy court has one or more additional special forms that you must file when you file the standard set of bankruptcy forms. All courts have special local requirements for the "mailing matrix" of the names and addresses of your creditors. Every court publishes very specific rules about how this list must be formatted so that the court can scan it into its computer system. Check your court's website (Michigan Western District Bankruptcy Court) to find out its mailing matrix requirements, as well as other required forms. Such requirements are typically found in a list of local rules.

If you're lucky, your court may publish a special procedural guide specifically for debtors who are filing without a lawyer. Until recently, most courts, however, did not offer this kind of information on their web sites. That has changed a lot in the past few years and several courts offer very good information.

Local forms for the Michigan Western District Bankruptcy Court and local rules can be obtained by clicking here

Local forms you're likely to need

Each district court has its own preferred format for the mailing matrix -- a list of of creditors that you must supply when you file, formatted in a certain way so that the court can scan it.

Matrix requirements can be found in the local rules or sometimes a separate instruction sheet available on the website.

Your court may also have a local requirements regarding any reaffirmation agreement you make with a creditor. Courts review such agreements closely to make sure the creditor is not ripping you off and that one creditor is not benefiting at the expense of others.

Other Useful Forms

Request for Transcript of Tax Return (IRS 4506-T)

Glossary of Bankruptcy Terminology

The U.S. Federal Bankruptcy Courts website offers a fairly decent, plain-English glossary of bankruptcy terminology, which can be helpful when reading local rules and forms.

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Getting help with forms and filing

Instructions are harder to come by than they used to be. The official U.S. Court website offers no instructions with these forms, other except a link to the congressional committee reports that were written at the time the forms were created. These are not step-by-step instructions, but rather a broad description of the purpose of each form.

Books that provide instructions for filling in official forms

The legal publisher Nolo publishes a comprehensive bankruptcy form instruction book (which I co-author). This book takes you through each form, line by line, explains what the terminology means, and provides examples. It also alerts you to situations that may require more help.

Bankruptcy Software

There are several software products designed for lawyers that will prepare full sets of bankruptcy forms, but these programs assume you already know bankruptcy law and are designed for filing multiple bankruptcies. In short, they're not appropriate for first-time bankruptcy filers.

There are also a few packages purportedly offered for consumers. Proceed with caution. Some of these packages are little more than PDF versions of the forms, which are are available free from the courts themselves.

If you are not a lawyer, the only value of these products would depend on the quality of the instructions they provide. You'll need instructions on how to complete each form, as well as a good understanding of how each form fits into the larger process of filing for bankruptcy.

Bankruptcy Lawyers

See Bankruptcy Lawyers

Bankruptcy Petition Preparers (BPP)

Bankruptcy Petition Preparers (BPPs) are nonlawyers who offer help in filling in the forms. The latest revision of the bankruptcy laws formally recognized these services as legitimate, but also imposed severe restrictions on what they can charge and scope of the services they can perform.

What BPPs Can't Do

Lawyers have jealously guarded their turf when it comes to bankruptcy. Lawyers already lost this battle in the area of tax preparation. Today, non-lawyer tax preparers openly advertise the good advice they can give you in addition to completing your forms. BPPs can do no such thing when it comes to bankruptcy forms.

Under the new bankruptcy law, BPPs must give debtors a form that lists all the things BPPs can't do (form 19B), and all the topics they can't discuss -- basically anything that might be characterized as legal advice. Thus, the sort of tips that tax preparers commonly give to people when preparing their taxes, BPPs can't give when bankruptcy forms. (Some believe this raises profound First Amendment and restraint of trade issues.)

How to File For Chapter 7 Bankruptcy (HFB book) will not give you specific advice, either, but it does discuss important facts to consider in making the kinds of decisions listed the following table:

What BPPs can't do (language of Form B 19) Plain English Where topic is covered in HFB Book.
I am forbidden
to offer you
any legal advice, including advice about any of the following:
   
• whether to file a petition under the Bankruptcy Code (11 U.S.C. § 101 et seq.); Whether you should file for bankruptcy Ch. 1 (free sample chapter)
• whether commencing a case under chapter 7, 11, 12, or 13 is appropriate; What kind of bankruptcy you should file for Ch. 1 (free sample chapter)
• whether your debts will be eliminated or discharged in a case under the Bankruptcy Code; Which debts are non-dischargeable, secured, etc. Ch's. 9, 5
• whether you will be able to retain your home, car, or other property after commencing a case
under the Bankruptcy Code;
Whether you'll lose your house, car, or other property Chs. 3, 4, 5
• concerning the tax consequences of a case brought under the Bankruptcy Code; Tax consequences Not covered
• concerning the dischargeability of tax claims; Whether or not your tax debts will be wiped out Ch. 9
• whether you may or should promise to repay debts to a creditor or enter into a reaffirmation
agreement with a creditor to reaffirm a debt;
Which secured loans are worth hanging onto, versus other options (e.g. surrendering property) Ch. 5
• concerning how to characterize the nature of your interests in property or your debts; or Whether property is exempt
or
into which exemption category a particular item fits
Ch. 3, 4
• concerning bankruptcy procedures and rights.
What happens in bankruptcy; what are your rights Whole book

Free PDF Downloadable Bankruptcy Forms

Official PDF Downloads

The links below connect you to forms provided by the US Court system. All bankruptcy forms available for free as Adobe Acrobat (PDF) forms.

Finding Instructions for the Forms

Official instructions for most of the revised Official Bankruptcy Forms are not available because they are "under revision." It has been many months since these new forms were first published and there's no word on when the instructions will be available. Links to the revised instructions will be posted here as they are available. The only instructional text posted are the committee notes from the congressional committees that wrote the law creating these forms.
 

The basic forms that get things underway.

B 1

Voluntary Petition (04/13)
Exhibit "A" (9/97) | Exhibit "C" (9/01) | Exhibit "D" (12/09) | Instructions | Committee Notes
B 2

Declaration under Penalty of Perjury on Behalf of a Corporation or Partnership
Instructions | Committee Notes

B 3A

Application for Individuals to Pay the Filing Fee in Installments (12/13)
Instructions | Committee Notes

B 3B

Application to Have the Chapter 7 Filing Fee Waived (12/13)
Instructions | Committee Notes

B 4

List of Creditors Holding 20 Largest Unsecured Claims (12/07)
Instructions | Committee Notes

B 5

Involuntary Petition (12/07)
Instructions | Committee Notes

The Schedules:

Where you list
- all your stuff,
- all you owe, and
- whom you owe it to
- how you'd like to handle your secured debts (auto, home, etc.)

B6

Cover Sheet for Schedules (12/07)

B6

Summary (Summary of Schedules) (12/13)

B 6A

Schedule A - Real Property (12/07)
Instructions | Committee Notes (6A-J)

B 6B

Schedule B - Personal Property (12/07)
Instructions

Exemptions

B 6C

Schedule C - Property Claimed as Exempt (4/13)
Instructions

Secured Debts

B 6D

Schedule D - Creditors Holding Secured Claims (12/07)
Instructions

Unsecured Debts

B 6E

Schedule E - Creditors Holding Unsecured Priority Claims (4/13)
Instructions

B 6F

Schedule F - Creditors Holding Unsecured Nonpriority Claims (12/07)
Instructions

Contracts & Leases

B 6G

Schedule G - Executory Contracts and Unexpired Leases (12/07)
Instructions

Codebtors

B 6H

Schedule H - Codebtors (12/07)
Instructions

Your Income & Expenses

B 6I

Schedule I: Your Income (12/13)
Instructions

B 6J

Schedule J: Your Expenses (12/13)
Instructions

B 6

Declaration Concerning Debtor's Schedules (12/07)
Instructions

Your Debts

B 7

Statement of Financial Affairs (04/13)
Instructions
| Committee Notes

How to handle your secured debts

B 8

Chapter 7 Individual Debtor's Statement of Intention (12/08)
Instructions | Committee Notes

B 9A Chapter 7 Individual or Joint Debtor No Asset Case (12/12)
Form | Committee Notes (B9A -- 9I)
B 9B Chapter 7 Corporation/Partnership No Asset Case (12/12)  
Form
B 9C Chapter 7 Individual or Joint Debtor Asset Case (12/12)
Form
B 9D Chapter 7 Corporation/Partnership Asset Case (12/12)  
Form
B 9E Chapter 11 Individual or Joint Debtor Case (12/12)  
Form
B 9E(Alt.) Chapter 11 Individual or Joint Debtor Case (12/12)
Form
B 9F Chapter 11 Corporation/Partnership Case (12/12)
Form
B 9F(Alt.) Chapter 11 Corporation/Partnership Case (12/12)
Form
B 9G Chapter 12 Individual or Joint Debtor Family Farmer (12/12)
Form
B 9H Chapter 12 Corporation/Partnership Family Farmer (12/12)
Form
B 9I Chapter 13 Case (12/12)
Form

Proof of Claim

B 10 Proof Of Claim (04/13)
Instructions | Committee Notes
B 10 A Attachment A (12/11)
Form | Committee Note
B 10 Supp 1 Supplement 1 (12/11)
Form | Committee Note
B 10 Supp 2 Supplement 2 (12/11)
Form | Committee Note
B 11A

General Power of Attorney (06/90)
Instructions
| Committee Notes

B 11B

Special Power of Attorney (06/90)
Instructions | Committee Notes

B 12

Order and Notice for Hearing on Disclosure Statement (12/03)
Instructions | Committee Notes

B 13

Order Approving Disclosure Statement and Fixing Time for Filing Acceptances or Rejections of Plan, Combined with Notice Thereof (12/03)
Instructions
| Committee Notes

B 14

Ballot for Accepting or Rejecting Plan (12/03)
Instructions | Committee Notes

B 15

Order Confirming Plan (12/01)
Instructions | Committee Notes

B 16A

Caption (12/07)
Instructions | Committee Notes

B 16B

Caption (Short Title) (12/94)
Instructions
| Committee Notes

B 16C

[Abrogated] (12/03)
Committee Notes

B 16D

Caption for Use in Adversary Proceeding other than for a Complaint Filed by a Debtor (12/04)
Instructions | Committee Notes

B 17

Notice of Appeal under 28 U.S.C. §158(a) or (b) from a Judgment, Order or Decree of a Bankruptcy Court (12/04)
Instructions | Committee Notes

B 18

Discharge of Debtor (12/07)
Instructions | Committee Notes

B 19

Declaration and Signature of Non-Attorney Bankruptcy Petition Preparer (12/07)
Instructions | Committee Notes

B 20A

Notice of Motion or Objection (12/10)
Instructions | Committee Notes (20A-B)

B 20B

Notice of Objection to Claim (12/03)
Instructions

B 21

Statement of Social Security Number (12/12)
Instructions | Committee Notes

Means Test Forms

Chapter 7 Means Test

B 22A

Statement of Current Monthly Income and Means Test Calculation (Chapter 7)(4/13)
Instructions | Committee Notes (22A-C)

B 22B

Statement of Current Monthly Income (Chapter 11) (12/10)
Instructions

Chapter 13 Means Test

B 22C

Statement of Current Monthly Income and Calculation of Commitment Period and Disposable Income (Chapter 13) (04/13)
Instructions

Debtor Education Completion Form

B 23

Debtor's Certification of Completion of Instructional Course Concerning Financial Management (12/10)
Instructions | Committee Notes

B 24 Certification to Court of Appeals (12/07)
Instructions | Committee Notes

Reaffirmation Agreement & Cover sheet

B 27 Reaffirmation Agreement Cover Sheet (12/13)
Instructions | Committee Note
B 240A/B ALT Reaffirmation Agreement (12/11)
Form
 
B 132 Application for Search of Bankruptcy Records (11/11)
Form

List of Required Forms, etc.

B 200 Required Lists, Statements, Schedules, and Fees (12/13)
Instructions
B 201A Notice to Individual Consumer Debtor (11/12)
Form

Can't find what you're looking for? Additional forms can be found at the official forms page forms provided by the US Court system. All bankruptcy forms available for free as Adobe Acrobat (PDF) forms.

 

Source: USCourts.gov

Help Topics



CloseDoes the court supply instructions with the bankruptcy forms?

Generally, no. Most forms do not come with instructions, and that's a shame. Much of the lingo used on these forms is difficult for non-lawyers to decipher.

Before the enactment of the new law, instructions were provided with most forms. Since the new law was passed, court websites have removed the instructions they used to provide, saying they are "under revision". This is unfortunate as most of the forms have not changed significantly, and the old instructions re more helpful than no instructions at all.

For up to date instructions, you can buy Nolo's book, How to File for Chapter 7 Bankruptcy. You'll not only get instructions for all forms, but also step by step guidance throughout the entire bankruptcy process.

Close

CloseWhat is PDF?

PDF stands for "Portable Document Format" which is a format created by the Adobe company and supported by their free Acrobat Reader. (Other companies also produce software that can create and read PDF files.)

PDF is also the format that lawyers use electronic filing.

See also, Where can I download Acrobat Reader?

Close

CloseWhat are "fillable" PDF forms?

The standard forms provided by most US Bankruptcy Courts are not "fillable" PDFs forms. All you can do is print the blank forms and fill them in by hand with a pen or typewriter. (A what?).

However, in a less obvious place, the US Trustee's Office also publishes fillable PDF versions of the Bankruptcy Forms. These fillable forms allow you to type your answers into the forms. Unfortunately, if you are using the free Acrobat Reader, you cannot save the information you have typed into these fillable forms. (If you own the full version of Adobe Acrobat -- which costs several hundred dollars -- you can save the info you have typed, and return to the form later.)

Fortunately, there are several, free or low-cost software tools for saving fillable PDFs. Some of these low cost products are rather bare-bones, when it comes to interface, but they work. That is, they do provide the option of saving the information you have typed.

Close

CloseWhere can I find fillable bankruptcy PDF forms for free?

Fillable PDF forms allow you to type your answers into the forms.

The standard forms your court links to are not of the fillable variety. However , in a less obvious place, the US Trustee's Office also publishes fillable PDF versions of the Bankruptcy Forms. Unfortunately, if you are using the free Acrobat Reader, you cannot save the information you have typed into these fillable forms. (If you own the full version of Adobe Acrobat -- which costs several hundred dollars -- you can save the info you have typed, and return to the form later.)

However, in a less obvious place, the US Trustee's Office also publishes fillable PDF versions of the Bankruptcy Forms. These fillable forms allow you to type your answers into the forms.

Close

CloseWhere can I download Acrobat Reader?

Most courts inlcude a link for downloading the free Adobe Acrobat reader. You can download it here. (http://www.adobe.com/products/acrobat/readstep2.html)

If you are using fillable PDF forms, you may also want to get a free or low-cost tool for saving what you have typed into your form.

See, Free or low-cost tools for saving fillable PDFs.

Close

CloseWhere can I find free or low-cost tools for saving what I type in fillable PDFs?

All official bankruptcy forms are available PDF forms, and fillable versions of the forms are available.

Unfortunately, the free Adobe Reader does not allow you to save the information you type in to fillable PDF forms. The full commercial version of Adobe Acrobat allows its users to save a PDF and the form field answers will remain entered within the form's fields. Users of the full version of Acrobat can save a form and its answers, close the form, and then return later to complete unanswered or incorrectly answered fields.

Adobe Acrobat ($299) (full program) which can be found at: www.adobe.com/acrofamily/main.htm

The following products let you actually save the data in your PDF file as fields.

PDFill, ($19.95) which can be found at: http://PDFill.com

CutePDF Filler, ($29.95) which can be found at: http://www.acrosoftware.com/Products/CutePDF/Filler.asp

FyTek PDF File Save, (free, recommended) which can be found at: http://www.fytek.com/products.php?pg=pdffilesave
This product allows Acrobat Reader users to save the content of completed forms using a work-around. Read the documentation that comes with this product to learn how to use it.

Other, products let you "print" to a PDF file but do not act as form-fillers:

pdfFactory, ($49.95) which can be found at: http://www.fineprint.com/products/pdffactory/index.html

pdf995, ($19.95) which can be found at: http://www.pdf995.com/

For Mac Users

A helpful LegalConsumer user sent along the following message about form-handling tools available for Mac users. We have not tested all of these options, but have no reason to assume they are inaccurate. As always, feel free email if you spot something that is incorrect.

---------------------------

I couldn't help but notice that the tools listed don't include any options for those of us who are using Macs instead of PC's. Since I recently had to find out this information for myself, I wanted to send a summary in the hopes that you will find it useful and can add this information to your website.

Adobe's products are available for OS X as well as Windows. I believe that the prices are probably similar -- this is the one option I didn't really look into.

Apple's OS X has some good built-in functionality for dealing with pdf files, including the ability to save any printable output to a file in pdf format using an option available from a button on the lower left of the print dialog box. The print dialog box is used whenever the print command is used, from any application on the system, so a filled-in form can be intercepted via the print dialog box and saved to a pdf format file, instead.

There is also software for viewing pdf files, called "Preview". It will allow you to view files, fill in forms if they are set up as fillable versions, but sometimes there are incompatibilities -- for example, some of the currently available fill-in forms have 3 buttons at the bottom for "print" "save" and "clear", which appear to be able to be activated when clicked on, but they don't actually do what the label indicates they are going to do. I assume that when used on a PC, they work, but it could be that these are still works in progress. Preview will allow you to annotate a non-fillable pdf form with text that is overlaid, but it is not particularly easy to use this feature, and there are some good shareware programs available that make this process a whole lot easier to do.

Here is a list of the shareware applications that I looked at and my impressions of them:

PDF Pen and PDF Pen Pro by Smile On My Mac

www.smileonmymac.com

PDF Pen is $49.95 and can be used to fill in pdf forms, save them, print them etc.

PDF Pen Pro is $94.95, and can be used for all the above, plus you can create pdf files, including fill-in forms, that can be used on any platform.

The Pro version probably is unnecessary for most of your readers but it does contain some nice features and it is less costly than Acrobat. Both of these products appear to be very polished, professional and full featured applications. The main reason I personally chose a different product in the end was because I did not feel I could afford even as little as $30 extra for software, even though it was clear that I was going to have to find something to make the process of dealing with the forms a little easier, especially since, when I first started looking into this, the fill-in forms had not yet been made available.

FormMate by White Wolf Software (www.whitewolf.com) is a reasonable option if all you're going to do is fill in the forms, print them and sign them. It costs $20, and is easier to use than the other similar products I looked at. Plus, it will let you save frequently used items -- such as your name, for example -- which has turned out to be useful. In addition to my name, I have saved a text item that inserts an "X", another with "N/A", and so forth. My only complaint is that I don't think that the font size of the text that is inserted can be changed, but the size that is used is reasonable for filling in the documents.

These shareware applications can be downloaded from the author's websites as listed, and activated from the menu within the application. In all cases, a free trial is an option, but the demo product is limited in that it prints a watermark onto any document until a registration key is purchased and entered, so it can't be used except as a demo until it is unlocked with the reg. key.

There are a couple of other shareware packages available also, but they did not end up being particularly memorable, in my opinion, and so I have not included them here.

I hope this info will be useful to you and that you will add it for the many folks who use Macs. I appreciate the effort that has obviously gone into setting up this website. It's a good resource & I'm pleased to see things like this becoming available. There should be more people like you, committed to helping empower people with enough legal knowledge to act on their own behalf.

- CL,
LegalConsumer user

------------------

Thanks for the info for Mac users, and the kind words, CL,
editor,
LegalConsumer.com

Close

CloseHow can I get copies of my filed tax returns?

From the IRS website:

If you need an exact copy of a previously filed and processed return and all attachments (including Form W-2 (PDF)), you must complete Form 4506 (PDF), Request for Copy of Tax Return and mail it to the IRS address in the instructions along with a $39 fee for each tax year requested. Copies are generally available for returns filed in the current and past 6 years.

In cases where an exact copy of the return is not needed, tax return and transcripts may be ordered. The tax return transcript shows most line items contained on the return as it was originally filed, including any accompanying forms and schedules. In most cases, a tax return transcript will meet the requirements for lending institutions for mortgage verification purposes.

The transcript can be ordered by completing a Form 4506-T (PDF) or calling (800) 829-1040 and following the prompts in the recorded message. There is no charge for the transcript and you should receive it in 10 business days from the time the IRS receives your request. Tax return transcripts are generally available for the current and past three years. If you need a statement of your tax account which shows changes that you or the IRS made after the original return was filed, you must request a "Tax Account Transcript". This transcript shows basic data including marital status, type of return filed, adjusted gross income, taxable income, payments and adjustments made on your account. Tax return and account transcripts are generally available for the current and past 3 years.

Form 4506-T (PDF) can also be used to get proof from the IRS that you did not file a tax return for a particular tax year.

Forms can be downloaded at Forms & Pubs or ordered by calling (800) 829-3676.

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Welcome, Michigan users of Nolo's
How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local Michigan information and services to help you file for bankruptcy.

If you don't own the book, you can still use this site and the free Ingham County means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com and the Means Test Calculator, is also a coauthor of Nolo's How to File for Chapter 7 Bankruptcy.

How to File for Chapter 7 Bankruptcy provides clear, user-friendly information and all the forms you need to get through the entire bankruptcy process. The book and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of Michigan exemption laws, which determine what property you'd get to keep in bankruptcy.

The book covers the entire process, and gives you the line-by-line instructions you need to fill out the required Chapter 7 bankruptcy forms. Meanwhile, this website gives you access to the latest local court information and county standards for the means test calculations that you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's the best way to deal with your debts. It's important to learn what bankruptcy cannot do. You don't want to go to all the trouble of filing bankruptcy only to find out that the it won't help solve your particular problem or kind of debt. The book clearly explains what doesn't bankruptc yan and cannot do.

If you do decide Chapter 7 bankruptcy is the right option, you'll learn how you can use it to:

  • cancel as much debt as possible
  • stop wage garnishments and attachments
  • keep the maximum amount of property using Michigan exemption laws
  • deal with secured debts and liens on your property
  • keep your home and car, if possible.

If you think you want to file for bankruptcy but aren't sure you can afford to hire an attorney, How to File for Chapter 7 Bankruptcy will help you learn what it takes to complete your bankruptcy petition on your own and complete the bankruptcy process.

You'll also learn how to rebuild your credit rating after bankruptcy.

Note: How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's  Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.

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Inclluded Forms:

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  • Bankruptcy Forms Checklist
  • Bankruptcy Documents Checklist
  • Median Family Income Chart
  • Judicial Lien Worksheet
  • Amendment Cover Sheet
  • Notice of Change of Address
  • Supplemental Schedule for Property Acquired After Bankruptcy Discharge
  • Proof of Service by Mail
  • Pleading Paper 

How to File for Chapter 7 Bankruptcy

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Chapter 13 Bankruptcy:
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(11th edition, 2012)

Chapter 13 Bakruptcy Book
Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? Consider Chapter 13 bankruptcy, which can give you an affordable repayment plan -- and let you keep your house, car and other property. Use this plain-English guide to decide whether or not it's right for you.

Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law. First, you can:

  • consider nonbankruptcy alternatives for solving your debt problems
  • decide which is better for you -- Chapter 7 or Chapter 13
  • determine whether you qualify for Chapter 13 bankruptcy

Then, delve deeper into Chapter 13 and find out:

  • how filing bankruptcy stops creditors instantly (the "automatic stay")
  • how Chapter 13 can help you avoid foreclosure
  • whether you can reduce your car loan balance, or the balance on other secured debts
  • whether you can get rid of second mortgages or home equity debt

If you think Chapter 13 bankruptcy could work for you, you'll be ready to:

  • determine (with the book's forms and step-by-step instructions) whether you have enough income to come up with a repayment plan that the court will approve
  • calculate the amount of your monthly plan payment
  • find and work effectively with an excellent lawyer, and
  • rebuild your credit after bankruptcy.

This newest edition includes information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the latest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

In Paperback and eBook (Adobe Reader)
Pub. Date: May 2012
Edition: 11th
Pages: 496 pp
ISBN: 9781413310696
Forms: 29 forms

List Price: 39.99
Buy now:
Nolo (publisher)

 


Chapter 13 Bankruptcy: Repay Your Debts

Press Reviews

"In Nolo’s usual thorough fashion, here is a guide to an alternative to the typical Chapter 7 Bankruptcy."
Orange County Register
"An excellent book that can guide you through the [Chapter 13] process."
Forbes Magazine
"Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion."
The Midwest Book Review
"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
Attorney Gary Klein,
co-author of Consumer Bankruptcy Law and Practice
"An excellent resource..."
Consumers Digest
"Contains many tear-out forms, federal and state exemptions charts, and the most recent legal documents and instructions on how to fill them out. "
Reference & Research Book News

Buy now: Nolo (publisher)

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The New Bankruptcy

The New Bankruptcy

Considering bankruptcy? Get the facts and find out how bankruptcy could work for you.

Bankruptcy laws have changed, and figuring out how to use them effectively is harder than ever. For plain-English guidance you can trust, turn to The New Bankruptcy. Get the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy is the right solution for your debt problems. Find out:

  • if you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • if you can keep cars and other property
  • how bankruptcy affects credit
  • alternative ways to handle debt problems

The 4th edition includes updated state and federal exemption tables, plus information on recent Supreme Court cases used to interpret 2005 bankruptcy changes. You'll also get worksheets to help you determine whether you can file for bankruptcy, including fully up-to-date exemption charts, helpful checklists, and easy-to-use legal charts for all 50 states.

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
-Eric Tyson, Author of Personal Finance For Dummies

"…it's important to know whether [bankruptcy] remains a viable option, and this book will offer both explanations and reassurances…"
-Accounting Today


In Paperback and eBook (Adobe Reader)
Pub. Date: May 2011
Edition: 4th
Pages: 419 pp
ISBN: 9781413313918

Press Reviews

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
Eric Tyson, best-selling author of
Personal Finance for Dummies
and Mind Over Money
"With last year's change in the bankruptcy laws creating unprecedented confusion in the field, it's important to know whether it remains a viable option, and this book will offer both explanations and reassurances..."
Accounting Today

ADVERTISEMENT - LegalConsumer.com does not endorse or review advertised products or services.

  1. Ada - 13,142
  2. Addison - 605
  3. Addison township - 6,351
  4. Adrian - 21,133
  5. AFTON - 921
  6. Ahmeek - 146
  7. Akron - 1,503
  8. Alabaster - 487
  9. Alanson - 738
  10. ALBA - 295
  11. Albion - 8,616
  12. ALDEN - 125
  1. ALGER - 3,452
  2. Algonac - 4,110
  3. Allegan - 4,998
  4. Allen - 1,657
  5. Allen Park - 28,210
  6. Allendale - 20,708
  7. ALLENTON - 3,162
  8. Allouez - 1,571
  9. Alma - 9,383
  10. Almont - 2,674
  11. Almont township - 6,583
  1. Alpena - 10,483
  2. Alpha - 145
  3. ALTO - 6,467
  4. AMASA - 283
  5. Ann Arbor - 113,934
  6. Ann Arbor Township - 4,361
  7. Applegate - 248
  8. ARCADIA - 3,113
  9. Armada - 1,730
  10. Armada township - 5,379
  11. Ashley - 563
  1. Athens - 2,554
  2. Atlanta - 827
  3. ATLANTIC MINE - 1,613
  4. ATTICA - 4,755
  5. Au Gres - 889
  6. Au Sable - 2,047
  7. Au Train - 1,138
  8. Auburn - 2,087
  9. Auburn Hills - 21,412
  10. Augusta - 6,745
  11. AVOCA - 3,791
  1. Bad Axe - 3,129
  2. BAILEY - 1,024
  3. Baldwin - 1,208
  4. Bancroft - 545
  5. Bangor - 14,641
  6. BANNISTER - 920
  7. Baraga - 3,815
  8. BARBEAU - 436
  9. Bark River - 1,578
  10. Baroda - 2,801
  11. Barryton - 355
  12. BARTON CITY - 584
  13. Barton Hills - 294
  14. BATH - 11,598
  15. Battle Creek - 52,347
  16. Bay City - 34,932
  17. BAY PORT - 477
  18. BAY VIEW - 133
  19. Bear Lake - 667
  20. BEAVER ISLAND - 551
  21. Beaverton - 1,071
  22. Beechwood - 3,015
  23. Belding - 5,757
  1. Bellaire - 1,086
  2. Belleville - 3,991
  3. Bellevue - 3,150
  4. BELMONT - 8,008
  5. Bentley - 844
  6. Benton Harbor - 10,038
  7. Benzonia - 2,727
  8. Bergland - 467
  9. Berkley - 14,970
  10. BERLIN - 2,116
  11. Berlin township - 3,285
  12. BERRIEN CENTER - 1,493
  13. Berrien Springs - 1,800
  14. Bessemer - 1,905
  15. Beulah - 342
  16. Beverly Hills - 10,267
  17. Big Bay - 319
  18. Big Rapids - 10,601
  19. Bingham Farms - 1,111
  20. Birch Run - 6,033
  21. Birmingham - 20,103
  22. BITELY - 1,869
  23. BLACK RIVER - 485
  1. BLANCHARD - 2,757
  2. Blissfield - 3,973
  3. BLOOMFIELD - 455
  4. Bloomfield Hills - 3,869
  5. Bloomfield Township - 41,070
  6. Bloomingdale - 3,103
  7. BOIS BLANC ISLAND - 71
  8. BOON - 687
  9. Boyne City - 3,735
  10. Boyne Falls - 294
  11. Brampton - 1,050
  12. Branch - 1,328
  13. Brandon - 15,175
  14. Brant - 2,012
  15. Breckenridge - 1,328
  16. Breedsville - 199
  17. BRETHREN - 410
  18. Bridgeport - 10,514
  19. Bridgman - 2,291
  20. Brighton - 7,444
  21. BRIMLEY - 2,793
  22. Britton - 586
  1. BROCKWAY - 5,418
  2. Brockway township - 2,022
  3. BROHMAN - 87
  4. Bronson - 2,349
  5. Brooklyn - 1,206
  6. Brown City - 1,325
  7. Brownstown township - 30,627
  8. Bruce - 2,128
  9. BRUCE CROSSING - 1,115
  10. Bruce township - 8,700
  11. BRUTUS - 218
  12. Buchanan - 4,456
  13. Buckley - 697
  14. Burlington - 1,941
  15. Burr Oak - 2,611
  16. Burt - 1,228
  17. BURTCHVILLE - 14,772
  18. Burtchville township - 4,008
  19. Burton - 29,999
  20. Byron - 581
  21. Byron Center - 5,822
  22. Byron township - 20,317
  1. Cadillac - 10,355
  2. Caledonia - 1,511
  3. Calumet - 6,489
  4. Camden - 2,047
  5. Canadian Lakes - 2,756
  6. Canton - 90,173
  7. Capac - 1,890
  8. Carleton - 2,345
  9. Carney - 192
  10. Caro - 4,229
  11. CARP LAKE - 759
  12. Carrollton - 6,103
  13. Carson City - 1,093
  14. Carsonville - 527
  15. Cascade - 17,134
  16. Casco - 2,823
  17. Casco township - 4,105
  18. Caseville - 2,570
  19. Casnovia - 2,805
  20. Caspian - 906
  21. Cass City - 2,428
  22. Cassopolis - 1,774
  23. CEDAR - 455
  24. Cedar Springs - 3,509
  1. Cedarville - 253
  2. Cement City - 438
  3. Center Line - 8,257
  4. Central Lake - 2,198
  5. Centreville - 1,425
  6. CERESCO - 1,638
  7. Champion - 297
  8. CHANNING - 544
  9. Charlevoix - 2,513
  10. Charlotte - 9,074
  11. Chase - 1,137
  12. Chassell - 1,812
  13. Chatham - 220
  14. Cheboygan - 4,867
  15. Chelsea - 4,944
  16. Chesaning - 4,659
  17. Chesterfield township - 43,381
  18. CHINA - 7,059
  19. China township - 3,551
  20. CHRISTMAS - 5,073
  21. Clare - 3,118
  22. CLARKLAKE - 2,704
  23. Clarkston - 45,954
  24. Clarksville - 394
  1. Clawson - 11,825
  2. CLAY - 13,226
  3. Clay township - 9,066
  4. Clayton - 1,097
  5. Clifford - 324
  6. Climax - 2,463
  7. Clinton - 3,604
  8. Clinton - 3,604
  9. Clinton Township - 96,796
  10. Clio - 2,646
  11. Clyde - 2,084
  12. Clyde township - 5,579
  13. Coldwater - 10,945
  14. Coleman - 1,243
  15. Coloma - 1,483
  16. Colon - 3,329
  17. Columbiaville - 787
  18. Columbus - 204
  19. Columbus township - 4,070
  20. Comins - 1,970
  21. Commerce township - 40,186
  22. Comstock Park - 10,088
  23. Concord - 2,723
  1. CONKLIN - 2,495
  2. Constantine - 4,217
  3. CONWAY - 3,546
  4. COOKS - 572
  5. Coopersville - 4,275
  6. Copemish - 194
  7. Copper City - 190
  8. COPPER HARBOR - 108
  9. CORAL - 1,261
  10. Cornell - 593
  11. Corunna - 3,497
  12. COTTRELLVILLE - 8,232
  13. Cottrellville township - 3,559
  14. Covert - 2,888
  15. Covington - 476
  16. Croswell - 2,447
  17. Croton - 3,228
  18. Crystal - 2,689
  19. Crystal Falls - 1,469
  20. CURRAN - 307
  21. Curtis - 1,236
  22. Custer - 1,136
  23. Cutlerville - 14,370
  1. Dafter - 1,263
  2. Daggett - 714
  3. Dansville - 563
  4. DAVISBURG - 7,080
  5. Davison - 5,173
  6. De Tour Village - 325
  7. De Witt - 4,702
  8. Dearborn - 98,153
  9. Dearborn Heights - 57,774
  1. Decatur - 3,726
  2. DECKER - 1,117
  3. Deckerville - 830
  4. Deerfield - 3,188
  5. DEERTON - 164
  6. DEFORD - 1,611
  7. Delhi - 53,057
  8. Delhi Township - 25,877
  1. DELTON - 872
  2. Detroit - 713,777
  3. DEWITT - 4,507
  4. Dexter - 6,042
  5. Dimondale - 1,234
  6. DOLLAR BAY - 1,082
  7. Dorr - 7,439
  8. Douglas - 1,232
  1. Dover - 395
  2. Dowagiac - 5,879
  3. DOWLING - 374
  4. DRUMMOND ISLAND - 992
  5. Dryden - 4,768
  6. Duncan - 236
  7. Dundee - 6,759
  8. Durand - 3,446
  1. Eastlake - 512
  2. Eastpointe - 32,442
  3. EASTPORT - 218
  4. Eaton Rapids - 5,214
  5. Eau Claire - 625
  6. EBEN JUNCTION - 214
  7. ECKERMAN - 331
  8. Ecorse - 9,512
  9. Edenville - 2,551
  10. Edmore - 1,201
  1. Edwardsburg - 1,259
  2. Elberta - 372
  3. Elk Rapids - 2,631
  4. Elkton - 808
  5. Ellsworth - 817
  6. ELM HALL - 73
  7. Elmira - 1,687
  8. Elsie - 966
  9. ELWELL - 1,434
  1. Emmett - 2,654
  2. Emmett township - 2,654
  3. Empire - 1,182
  4. ENGADINE - 945
  5. Erie - 4,517
  6. Escanaba - 12,616
  7. Essexville - 3,478
  8. Evart - 1,903
  9. EWEN - 662
  1. FAIR HAVEN - 6,984
  2. Fairgrove - 1,579
  3. FAIRVIEW - 1,531
  4. FALMOUTH - 1,148
  5. Farmington - 10,372
  6. Farmington Hills - 79,740
  7. Farwell - 871
  8. Felch - 752
  9. Fennville - 1,398
  10. Fenton - 11,756
  1. FENWICK - 2,412
  2. Ferndale - 19,900
  3. Ferrysburg - 2,892
  4. Fife Lake - 2,791
  5. FILER CITY - 116
  6. FILION - 794
  7. Flat Rock - 9,878
  8. Flint - 102,434
  9. Flushing - 8,389
  10. Forest Hills - 25,867
  1. Forestville - 136
  2. FORT GRATIOT - 14,772
  3. Fort Gratiot Township - 11,108
  4. FOSTER CITY - 279
  5. FOSTORIA - 694
  6. Fountain - 193
  7. Fowler - 1,208
  8. Fowlerville - 2,886
  9. Frankenmuth - 4,944
  10. Frankfort - 1,286
  1. Franklin - 3,150
  2. Fraser - 14,480
  3. Frederic - 1,341
  4. Free Soil - 822
  5. Freeland - 6,969
  6. Freeport - 483
  7. Fremont - 4,081
  8. Frenchtown - 20,428
  9. Fruitport - 13,598
  10. Fulton - 2,521
  1. Gaastra - 347
  2. Gagetown - 388
  3. Gaines - 6,820
  4. Galesburg - 2,009
  5. Galien - 1,452
  6. Garden - 750
  7. Garden City - 27,692
  8. Gaylord - 3,645
  9. Genesee - 21,581
  10. Georgetown township - 46,985
  11. Germfask - 486
  12. Gibraltar - 4,656
  13. Gladstone - 4,973
  1. Gladwin - 2,933
  2. GLEN ARBOR - 859
  3. GLENNIE - 1,345
  4. Gobles - 829
  5. GOETZVILLE - 599
  6. GOODELLS - 2,986
  7. Goodrich - 1,860
  8. GOULD CITY - 341
  9. GOWEN - 3,445
  10. Grand Beach - 272
  11. Grand Blanc - 8,276
  12. Grand Haven - 10,412
  1. GRAND JUNCTION - 4,107
  2. Grand Ledge - 7,786
  3. GRAND MARAIS - 433
  4. Grand Rapids - 188,040
  5. Grandville - 15,378
  6. Grant - 894
  7. Grant township - 1,891
  8. Grass Lake - 5,684
  9. GRAWN - 772
  10. Grayling - 1,884
  11. Greenbush - 1,409
  12. Greenland - 792
  1. Hadley - 4,528
  2. HALE - 4,615
  3. Hamburg - 21,165
  4. Hamilton - 1,829
  5. Hamtramck - 22,423
  6. Hancock - 4,634
  7. Hanover - 3,695
  8. HARBERT - 36
  9. Harbor Beach - 1,703
  10. Harbor Springs - 1,194
  11. Harper Woods - 14,236
  12. Harrietta - 143
  13. Harrison - 2,114
  14. Harrison - 2,114
  15. Harrison township - 24,587
  1. Harrisville - 493
  2. HARSENS ISLAND - 1,285
  3. Hart - 2,126
  4. Hartford - 2,688
  5. HARTLAND - 6,118
  6. Hartland township - 14,663
  7. Harvey - 1,393
  8. Haslett - 19,220
  9. Hastings - 7,350
  10. HAWKS - 860
  11. Hazel Park - 16,422
  12. Hemlock - 1,466
  13. HENDERSON - 399
  14. HERMANSVILLE - 1,041
  15. HERRON - 778
  1. Hersey - 1,950
  2. Hesperia - 954
  3. HESSEL - 204
  4. HICKORY CORNERS - 322
  5. HIGGINS LAKE - 282
  6. Highland - 19,202
  7. Highland Park - 11,776
  8. Hillman - 2,175
  9. Hillsdale - 8,305
  10. Holland - 33,051
  11. Holly - 11,362
  12. Holt - 23,973
  13. Holton - 2,515
  14. Homer - 3,015
  15. Honor - 328
  1. Hope - 3,239
  2. Hopkins - 2,601
  3. Horton - 927
  4. Houghton - 7,708
  5. Houghton Lake - 3,427
  6. HOUGHTON LAKE HEIGHTS - 265
  7. Howard City - 1,808
  8. Howell - 9,489
  9. Hubbard Lake - 1,002
  10. Hubbardston - 395
  11. Hubbell - 946
  12. Hudson - 2,307
  13. Hudsonville - 7,116
  14. Hulbert - 168
  15. Huntington Woods - 6,238
  1. Ida - 4,964
  2. IDLEWILD - 685
  3. Imlay - 3,128
  4. Imlay City - 3,597
  5. Independence township - 34,681
  1. Indian River - 1,959
  2. INGALLS - 189
  3. Inkster - 25,369
  4. INTERLOCHEN - 583
  5. Ionia - 11,394
  1. IRA - 6,984
  2. Ira township - 5,178
  3. Iron Mountain - 7,624
  4. Iron River - 3,029
  1. IRONS - 1,766
  2. Ironwood - 5,387
  3. Ishpeming - 6,470
  4. Ithaca - 2,910
  1. Jackson - 33,534
  2. JASPER - 1,180
  1. JEDDO - 2,070
  2. Jenison - 16,538
  1. Jerome - 4,796
  2. JOHANNESBURG - 1,830
  1. JONES - 1,634
  2. Jonesville - 2,258
  1. Kalamazoo - 74,262
  2. Kaleva - 470
  3. Kalkaska - 4,722
  4. Kawkawlin - 4,848
  5. KEARSARGE - 250
  1. Keego Harbor - 2,970
  2. KENOCKEE - 3,791
  3. Kenockee township - 2,470
  4. Kent City - 1,057
  5. Kentwood - 48,707
  1. KEWADIN - 2,026
  2. KIMBALL - 8,623
  3. Kimball township - 9,358
  4. Kincheloe - 6,609
  5. Kinde - 448
  1. Kingsford - 5,133
  2. KINGSFORD RETAIL - 12,401
  3. Kingsley - 1,480
  4. Kingston - 1,574
  5. Kinross - 7,561
  1. L'Anse - 2,011
  2. La Salle - 4,894
  3. LACHINE - 2,227
  4. Laingsburg - 1,283
  5. Lake - 759
  6. Lake Angelus - 290
  7. Lake Ann - 268
  8. Lake City - 836
  9. LAKE GEORGE - 65
  10. LAKE ISABELLA - 1,681
  11. LAKE LEELANAU - 253
  12. Lake Linden - 1,007
  13. Lake Odessa - 2,018
  14. Lake Orion - 2,973
  15. LAKELAND - 39
  1. LAKESIDE - 250
  2. Lakeview - 1,007
  3. Lakewood Club - 1,291
  4. Lambertville - 9,953
  5. Lansing - 114,297
  6. Lapeer - 8,841
  7. Lathrup Village - 4,075
  8. Laurium - 1,977
  9. Lawrence - 3,259
  10. Lawton - 1,900
  11. Le Roy - 1,212
  12. LELAND - 2,043
  13. Lennon - 511
  14. LENOX - 6,661
  1. Lenox township - 10,470
  2. Leonard - 403
  3. Leonidas - 1,185
  4. Leroy - 3,712
  5. Leslie - 1,851
  6. LEVERING - 215
  7. Lewiston - 1,392
  8. Lexington - 3,658
  9. Limestone - 438
  10. Lincoln - 942
  11. Lincoln Park - 38,144
  12. Linden - 3,991
  13. LINWOOD - 4,684
  14. Litchfield - 1,369
  1. LITTLE LAKE - 249
  2. Livonia - 96,942
  3. Lodi township - 6,058
  4. Long Lake - 8,662
  5. LORETTO - 115
  6. Lowell - 3,783
  7. Ludington - 8,076
  8. Luna Pier - 1,436
  9. LUPTON - 348
  10. Luther - 318
  11. LUZERNE - 1,177
  12. LYNN - 5,418
  13. Lynn township - 1,229
  14. Lyons - 3,465
  1. MACATAWA - 44
  2. Mackinac Island - 492
  3. Mackinaw City - 806
  4. MACOMB - 15,990
  5. Macomb Township - 79,580
  6. Madison Heights - 29,694
  7. Mancelona - 4,400
  8. Manchester - 4,569
  9. Manistee - 6,226
  10. Manistique - 3,097
  11. MANITOU BEACH - 2,977
  12. Manitou Beach-Devils Lake - 2,019
  13. Manton - 1,287
  14. MAPLE CITY - 207
  15. Maple Rapids - 672
  16. Marcellus - 2,539
  17. MARENISCO - 1,727
  18. Marine City - 4,248
  19. Marion - 1,714
  20. Marlette - 1,875
  21. MARNE - 3,615
  22. Marquette - 21,355
  1. Marshall - 7,088
  2. Martin - 2,629
  3. Marysville - 9,959
  4. Mason - 8,252
  5. MASS CITY - 688
  6. Mattawan - 1,997
  7. Maybee - 562
  8. Mayfield - 1,550
  9. Mayville - 950
  10. MC BAIN - 3,329
  11. MC MILLAN - 1,303
  12. MCBRIDES - 126
  13. McMillan - 2,692
  14. MEARS - 1,675
  15. Mecosta - 2,615
  16. Melvin - 180
  17. Melvindale - 10,715
  18. Memphis - 1,183
  19. Mendon - 2,719
  20. Menominee - 8,599
  21. Merrill - 778
  1. Merritt - 1,441
  2. Mesick - 394
  3. Metamora - 4,249
  4. Michiana - 182
  5. Michigamme - 349
  6. Michigan Center - 4,672
  7. MIDDLETON - 937
  8. Middleville - 3,319
  9. Midland - 41,863
  10. Mikado - 947
  11. Milan - 5,836
  12. Milford - 15,736
  13. Millbrook - 1,113
  14. Millersburg - 206
  15. Millington - 4,354
  16. Minden - 545
  17. Minden City - 197
  18. Mio - 1,826
  19. Mohawk - 1,121
  20. MOLINE - 219
  21. Monroe - 20,733
  1. Montague - 2,361
  2. Montgomery - 342
  3. Montrose - 1,657
  4. MOORESTOWN - 7,536
  5. Moran - 994
  6. Morenci - 2,220
  7. Morley - 493
  8. Morrice - 927
  9. Mottville - 1,436
  10. Mount Clemens - 16,314
  11. Mount Morris - 3,086
  12. Mount Pleasant - 26,016
  13. Muir - 604
  14. MULLETT LAKE - 31
  15. Mulliken - 553
  16. MUNGER - 1,542
  17. Munising - 2,355
  18. MUNITH - 2,789
  19. Muskegon - 38,401
  20. Muskegon Heights - 10,856
  21. Mussey - 4,206
  1. Nadeau - 1,161
  2. Nahma - 495
  3. Napoleon - 6,776
  4. Nashville - 1,628
  5. NATIONAL CITY - 1,776
  6. NAUBINWAY - 731
  7. Negaunee - 4,568
  8. New Baltimore - 12,084
  9. NEW BOSTON - 7,792
  1. New Buffalo - 1,883
  2. New Era - 451
  3. New Haven - 4,642
  4. NEW HUDSON - 5,419
  5. New Lothrop - 581
  6. NEW TROY - 497
  7. Newaygo - 1,976
  8. Newberry - 1,519
  1. NEWPORT - 10,420
  2. Niles - 11,600
  3. NISULA - 73
  4. North Adams - 477
  5. North Branch - 3,645
  6. North Muskegon - 3,786
  7. NORTH STREET - 5,765
  8. Northport - 526
  1. Northville - 5,970
  2. Northville township - 28,497
  3. Norton Shores - 23,994
  4. Norvell - 2,963
  5. Norway - 2,845
  6. Nottawa - 2,282
  7. Novi - 55,224
  8. NUNICA - 3,251
  1. Oak Park - 29,319
  2. Oakland township - 16,779
  3. Oakley - 290
  4. Ocqueoc - 655
  5. ODEN - 363
  6. Okemos - 21,369
  7. Olivet - 1,605
  1. Omer - 313
  2. Onaway - 880
  3. Onekama - 1,329
  4. Onondaga - 3,158
  5. Onsted - 917
  6. Ontonagon - 2,579
  7. Orchard Lake Village - 2,375
  1. Orion township - 35,394
  2. Orleans - 2,743
  3. Ortonville - 1,442
  4. Oscoda - 6,997
  5. OSSEO - 2,973
  6. Ossineke - 1,675
  7. Otisville - 864
  1. Otsego - 3,956
  2. OTTAWA LAKE - 4,038
  3. Otter Lake - 389
  4. Ovid - 2,326
  5. Owendale - 241
  6. Owosso - 15,194
  7. Oxford - 20,526
  1. PAINESDALE - 685
  2. Palmer - 418
  3. Palmyra - 2,084
  4. Paradise - 4,713
  5. Parchment - 1,804
  6. Paris - 481
  7. Parma - 2,726
  8. Paw Paw - 7,041
  9. Peacock - 492
  10. Pearl Beach - 2,829
  11. Peck - 632
  12. PELKIE - 1,286
  13. Pellston - 822
  1. Pentwater - 1,515
  2. PERKINS - 59
  3. Perrinton - 406
  4. PERRONVILLE - 100
  5. Perry - 2,188
  6. Petersburg - 1,146
  7. Petoskey - 5,670
  8. Pewamo - 469
  9. Pickford - 1,595
  10. Pierson - 3,216
  11. Pigeon - 1,208
  12. Pinckney - 2,427
  13. Pinconning - 1,307
  1. Port Huron Township - 10,654
  2. Port Sanilac - 623
  3. Port Sheldon - 4,240
  4. Portage - 46,292
  5. Portland - 3,883
  6. Posen - 850
  7. Potterville - 2,617
  8. Powers - 422
  9. Prescott - 266
  10. Presque Isle - 1,656
  11. Prudenville - 1,682
  12. PULLMAN - 3,348
  1. Quincy - 4,285
  1. Quinnesec - 1,191
      1. RALPH - 51
      2. RAMSAY - 384
      3. RAPID CITY - 1,352
      4. Rapid River - 1,145
      5. Ravenna - 2,905
      6. RAY - 3,904
      7. Ray township - 3,739
      8. Reading - 1,078
      9. Redford - 48,362
      10. Reed City - 2,425
      11. Reese - 1,454
      12. REMUS - 2,935
      1. Republic - 1,060
      2. RHODES - 1,129
      3. Richland - 7,580
      4. Richmond - 5,735
      5. Richmond township - 3,665
      6. Ridgeway - 1,542
      7. Riga - 1,406
      8. Riley - 2,024
      9. Riley township - 3,353
      10. River Rouge - 7,903
      11. RIVERDALE - 2,477
      12. Riverview - 12,486
      1. RIVES JUNCTION - 3,740
      2. Rochester - 12,711
      3. Rochester Hills - 70,995
      4. ROCK - 1,214
      5. Rockford - 5,719
      6. Rockland - 228
      7. Rockwood - 3,289
      8. RODNEY - 1,812
      9. Rogers City - 2,827
      10. Rollin - 3,270
      11. Romeo - 3,596
      12. Romulus - 23,989
      1. ROOS - 4,185
      2. Roscommon - 4,411
      3. Rose City - 653
      4. Rosebush - 368
      5. Roseville - 47,299
      6. Rothbury - 432
      7. Royal Oak - 57,236
      8. RUBY - 5,765
      9. Rudyard - 1,370
      10. RUMELY - 38
      11. RUTH - 921
      1. Saginaw - 51,508
      2. Sagola - 1,106
      3. Saint Charles - 6,657
      4. Saint Clair - 12,340
      5. Saint Clair Township - 6,817
      6. SAINT HELEN - 4,525
      7. Saint Ignace - 5,202
      8. Saint Johns - 17,193
      9. Saint Joseph - 10,028
      10. Saint Louis - 9,519
      11. Saline - 8,810
      12. SAND CREEK - 930
      13. Sand Lake - 1,412
      14. Sandusky - 2,679
      15. Sanford - 859
      16. Saranac - 1,325
      17. Saugatuck - 925
      18. Sault Sainte Marie - 14,144
      19. SAWYER - 2,578
      20. Schoolcraft - 1,839
      21. Scio Township - 20,081
      1. SCOTTS - 3,019
      2. Scottville - 1,214
      3. SEARS - 1,110
      4. Sebewaing - 2,724
      5. SELFRIDGE ANGB - 23,882
      6. Seneca - 1,230
      7. Seney - 119
      8. Sharon - 1,737
      9. Shelby - 4,069
      10. Shelby Township - 73,804
      11. SHELBYVILLE - 3,314
      12. Shepherd - 1,515
      13. Sheridan - 1,936
      14. Sherwood - 2,094
      15. SHINGLETON - 942
      16. SIDNAW - 141
      17. Sidney - 2,574
      18. SILVERWOOD - 1,133
      19. SIX LAKES - 2,215
      20. Skandia - 826
      21. SKANEE - 248
      1. SMITHS CREEK - 8,623
      2. SNOVER - 448
      3. Sodus - 1,932
      4. Somerset - 4,623
      5. SOMERSET CENTER - 785
      6. SOUTH BOARDMAN - 536
      7. South Branch - 2,007
      8. South Haven - 4,403
      9. South Lyon - 11,327
      10. South Range - 758
      11. South Rockwood - 1,675
      12. Southfield - 71,739
      13. Southfield township - 14,547
      14. Southgate - 30,047
      15. Spalding - 1,674
      16. Sparta - 9,110
      17. Spring Arbor - 8,267
      18. Spring Lake - 14,300
      19. Springfield - 5,260
      20. Springfield township - 13,940
      21. Springport - 2,159
      1. SPRUCE - 1,329
      2. St. Clair Shores - 59,715
      3. Stambaugh - 1,140
      4. Standish - 1,509
      5. Stanton - 1,419
      6. Stanwood - 211
      7. Stephenson - 862
      8. Sterling - 530
      9. Sterling Heights - 129,699
      10. Stevensville - 1,142
      11. Stockbridge - 3,896
      12. STRONACH - 821
      13. Sturgis - 10,994
      14. Sumner - 1,930
      15. Sunfield - 1,997
      16. Superior township - 13,058
      17. Suttons Bay - 2,982
      18. Swartz Creek - 5,758
      19. SYLVAN BEACH - 8,747
      20. Sylvan Lake - 1,720
      1. Tawas City - 1,827
      2. Taylor - 63,131
      3. Tecumseh - 8,521
      4. Tekonsha - 1,645
      5. Temperance - 8,517
      6. Thompson - 795
      1. Thompsonville - 441
      2. Three Oaks - 2,574
      3. Three Rivers - 7,811
      4. TIPTON - 1,925
      5. TOIVOLA - 437
      6. TOPINABEE - 68
      1. TOWER - 69
      2. Traverse City - 14,674
      3. TRENARY - 944
      4. Trenton - 18,853
      5. TROUT CREEK - 444
      6. Trout Lake - 384
      1. Troy - 80,980
      2. TRUFANT - 1,292
      3. Turner - 550
      4. Tustin - 230
      5. Twin Lake - 1,720
      6. Twining - 181
      1. Ubly - 858
      2. Unadilla - 3,366
      1. Union - 2,868
      2. Union City - 1,599
      1. Utica - 4,757
      1. Vandalia - 301
      2. Vanderbilt - 562
      1. Vassar - 2,697
      2. Vermontville - 2,053
      1. Vernon - 1,369
      2. VESTABURG - 3,029
      1. Vicksburg - 2,906
      2. VULCAN - 115
      1. Wakefield - 1,851
      2. Waldron - 538
      3. WALES - 2,986
      4. Wales township - 3,248
      5. WALHALLA - 149
      6. Walker - 23,537
      7. Walkerville - 247
      8. WALLACE - 1,679
      9. Walled Lake - 6,999
      10. WALLOON LAKE - 290
      11. Warren - 134,056
      12. Washington township - 25,139
      13. Waterford - 73,150
      14. Waterford township - 71,707
      1. WATERSMEET - 1,417
      2. Watervliet - 1,735
      3. WATTON - 360
      4. Wayland - 4,079
      5. Wayne - 17,593
      6. Webberville - 1,272
      7. Webster - 6,784
      8. Weidman - 959
      9. Wells - 4,885
      10. WELLSTON - 311
      11. WEQUETONSING - 7,329
      12. West Bloomfield Township - 64,690
      13. West Branch - 2,139
      14. WEST OLIVE - 7,697
      1. Westland - 84,094
      2. WESTON - 100
      3. Westphalia - 2,365
      4. Westwood - 8,653
      5. WETMORE - 663
      6. Wheeler - 2,786
      7. White Cloud - 1,408
      8. White Lake Township - 30,019
      9. White Pigeon - 3,753
      10. White Pine - 474
      11. Whitehall - 2,706
      12. Whitmore Lake - 6,423
      13. WHITTAKER - 106
      1. Whittemore - 384
      2. WILLIAMSBURG - 6,682
      3. Williamston - 3,854
      4. WILLIS - 2,616
      5. Wilson - 2,029
      6. WINN - 117
      7. Wixom - 13,498
      8. Wolverine - 244
      9. Wolverine Lake - 4,312
      10. Woodhaven - 12,875
      11. Woodland - 2,047
      12. Wyandotte - 25,883
      13. Wyoming - 72,125
      1. Yale - 1,955
      1. Ypsilanti - 19,435
        1. Zeeland - 5,504