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UNITED STATES BANKRUPTCY COURT
EASTERN / WESTERN DISTRICT OF MICHIGAN (as applicable)
MASTER CHAPTER 7 BANKRUPTCY PETITION PACKAGE
(Voluntary Petition – Individuals)
[// GUIDANCE: Use this template to assemble the full
Chapter 7 filing. It consolidates all Official Forms,
Michigan-specific requirements, and local rule addenda
into a single, lawyer-friendly document. Replace every
bracketed term before filing.]
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Effective Date: [PETITION DATE]
Debtor(s): [DEBTOR FULL LEGAL NAME(S)]
Address: [STREET | CITY | MI | ZIP | COUNTY]
SSN / ITIN: xxx-xx-[LAST 4] (Debtor 1)
xxx-xx-[LAST 4] (Debtor 2)
Attorney: [FIRM NAME] – [BAR NO.]
[ADDRESS | PHONE | EMAIL]
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TABLE OF CONTENTS
1. Definitions
2. Core Petition Documents (Official Forms)
2.1 Official Form 101 – Voluntary Petition
2.2 Official Form 121 – SSN Declaration
2.3 Official Forms 106-Series (Schedules & Summary)
2.4 Official Form 107 – Statement of Financial Affairs
2.5 Official Form 108 – Statement of Intention
2.6 Official Forms 122A-1 / 122A-1Supp / 122A-2 – Means Test
3. Michigan-Specific Addenda
3.1 Exemption Schedule (MCL 600.5451 or 11 U.S.C. § 522)
3.2 Local Rule Certifications & Trustee Documents
4. Representations & Declarations
5. Signature / Verification Blocks
6. Filing Checklist
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DEFINITIONS
Automatic Stay: Injunctive relief imposed by 11 U.S.C. § 362.
Bankruptcy Code: Title 11 of the United States Code.
Debtor: The individual(s) identified above filing for relief under chapter 7.
Petition Date: The date on which this package is filed with the Clerk.
Trustee: The chapter 7 trustee appointed under 11 U.S.C. § 701.
[Add additional defined terms as needed.] -
CORE PETITION DOCUMENTS
[// GUIDANCE: Each numbered subsection reproduces the mandatory fields of the
corresponding Official Form with Michigan-specific modifications and embedded
placeholders. Citations are omitted from the Official Form text to maintain
form integrity.]
2.1 OFFICIAL FORM 101 – VOLUNTARY PETITION FOR INDIVIDUALS FILING FOR
BANKRUPTCY (CHAPTER 7)
Part 1: Identify Yourself
• Your full name: [FIRST, MIDDLE, LAST, SUFFIX]
• All other names you have used in the last 8 years: [LIST / “None”]
• Last 4 digits of SSN: [____]
• Address: [STREET, CITY, STATE MI, ZIP, COUNTY]
• If you have lived at this address for fewer than 3 years, list previous
address: [ ]
Part 2: Tell the Court About Your Bankruptcy Case
• Chapter of bankruptcy you are choosing to file under: ☑ Chapter 7
• Filing under: ☐ One Debtor ☐ Joint Debtors (spouses)
• Nature of debts: ☐ Consumer ☐ Business ☐ Both
• Statistical/administrative information (credit counseling, etc.):
– Credit counseling completed on: [MM/DD/YYYY] (11 U.S.C. § 109(h))
– Estimated number of creditors: ☐ 1-49 ☐ 50-99 ☐ 100-199 ☐ 200-999 ☐ 1,000-
– Assets: ☐ $0-$50k ☐ $50k-$100k ☐ More (select)
– Liabilities: ☐ $0-$50k ☐ $50k-$100k ☐ More (select)
Part 3: Report About Any Previous Bankruptcy Cases
• Have you filed in the last 8 years? ☐ No ☐ Yes – Case number(s): [____]
Part 4: Administrative Information
• District in which you are filing: ☑ Eastern District of Michigan
☐ Western District of Michigan
• Chapter 7 trustee requested: [TRUSTEE NAME IF PRE-ASSIGNED / “To be assigned”]
Part 5: Sign Below
• Signature of Debtor 1: ___ Date: __
• Signature of Debtor 2: ___ Date: _
• Signature of Attorney: ___ Date: ___
[// GUIDANCE: The Court’s official PDF contains barcode fields; fill those
during electronic filing with CM/ECF. Do not alter the substantive language.]
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2.2 OFFICIAL FORM 121 – STATEMENT ABOUT SOCIAL SECURITY NUMBERS
Debtor 1 SSN: -_-
Debtor 2 SSN: ___--____
[Separate sealed filing per Local Rule 1007-1(e).]
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2.3 OFFICIAL FORM 106-SERIES – SCHEDULES & SUMMARY
[Abbreviated outline with key Michigan notes.]
A/B – Property
• Real property description must include legal description & county.
• Motor vehicles: include MI title number.
C – Claim of Exemptions
☐ Federal Exemptions under 11 U.S.C. § 522(d)
☐ Michigan Exemptions under MCL 600.5451 (select one scheme only).
– Homestead: up to $40,475; seniors/disabled $60,725.
– Motor Vehicle: $3,725.
– Tools of Trade: $2,700, etc.
[Place exemption statute in the “Law that Allows Exemption” column.]
D – Secured Claims
E/F – Priority & Non-Priority Unsecured Claims
G – Executory Contracts & Unexpired Leases
H – Codebtors
I – Current Income
J – Current Expenditures
Summary of Assets/Liabilities & Certain Statistical Information
Declaration Concerning Debtor’s Schedules (Official Form 106Dec)
[// GUIDANCE: List values “as of petition date.” For jointly-owned property,
indicate the ownership percentage.]
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2.4 OFFICIAL FORM 107 – STATEMENT OF FINANCIAL AFFAIRS FOR INDIVIDUALS
• Part 2 (Income): provide gross income by year for past 2 years.
• Part 4 (Payments): list payments to creditors >$600 within 90 days.
• Part 10 (Certain transfers): capture quitclaim deeds filed in MI
Register of Deeds within 10 years.
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2.5 OFFICIAL FORM 108 – STATEMENT OF INTENTION FOR INDIVIDUALS FILING UNDER
CHAPTER 7
– Identify collateral (vehicle, real estate, consumer goods).
– Indicate intent: ☐ Surrender ☐ Redeem ☐ Reaffirm ☐ Retain/Implicit Reaffirm
– Provide creditor’s full mailing address for notice.
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2.6 OFFICIAL FORMS 122A-1 / 122A-1SUPP / 122A-2 – MEANS TEST
• Complete Part 3 median-income comparison using current Michigan median
figures (see U.S. Trustee website).
• If “presumption of abuse” arises, complete Form 122A-2.
[// GUIDANCE: Most MI chapter 7 consumer cases qualify for short-form;
double-check income from Part 1 of Form 122A-1.]
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3. MICHIGAN-SPECIFIC ADDENDA
3.1 CHAPTER 7 EXEMPTION SCHEDULE RIDER
[Insert only if using Michigan exemptions.]
Property Statute (MCL) Specific Subsection Exempt Amount
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Homestead 600.5451(1)(n) __ $[]
Motor Vehicle 600.5451(1)(g) __ $[]
Household Goods 600.5451(1)(c) __ $[]
Tools of Trade 600.5451(1)(l) __ $[]
Wildcard 600.5451(1)(a) __ $[__]
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3.2 LOCAL RULE CERTIFICATIONS & TRUSTEE PROCEDURES
a. Verification of Creditor Matrix (Local Form 04).
b. Declaration Regarding Electronic Filing (L.B.R. 5005-4).
c. Payment Advices Cover Sheet (11 U.S.C. § 521(a)(1)(B)(iv)).
d. Domestic Support Obligation Certification (if applicable).
e. Trustee-Preferred Tax Return Submission:
– Provide last two years’ returns to trustee within 7 days pre-341 Meeting.
[// GUIDANCE: Eastern District Local Rules at www.mieb.uscourts.gov;
Western District at www.miwb.uscourts.gov.]
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4. REPRESENTATIONS & DECLARATIONS
4.1 Certification of Accuracy
Each Debtor certifies under penalty of perjury that the information provided
in this Petition Package is true and correct to the best of their knowledge
and belief.
4.2 Credit Counseling Compliance
Debtor received an approved credit-counseling briefing within 180 days of
the Petition Date in accordance with 11 U.S.C. § 109(h).
4.3 Bankruptcy Rule 2016(b) Attorney Disclosure
Total agreed fee: $[_]
Amount paid pre-petition: $[_]
Balance due post-petition: $[__] – to be paid under fee agreement.
[// GUIDANCE: File Form 2030 separately within 14 days if not submitted with
the petition.]
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5. SIGNATURE / VERIFICATION BLOCKS
Debtor 1 Signature: ____ Date: _
Debtor 2 Signature: ____ Date: _
Attorney Signature: ____ Date: _
Print Name: _____ Bar No.: ____
Notary (if required for local forms):
State of Michigan, County of __
Subscribed and sworn before me on _, 20_.
Notary Public, State of Michigan, County of __
My Commission Expires: ______
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6. FILING CHECKLIST
☐ Official Form 101 – Voluntary Petition
☐ Form 121 – SSN Statement (sealed)
☐ Schedules A/B–J with Summary & Declaration
☐ Statement of Financial Affairs – Form 107
☐ Statement of Intention – Form 108
☐ Means Test (Form 122A-1 et seq.) or § 707(b)(7) statement
☐ Creditor Matrix (text file)
☐ Exemption Schedule Rider (if Michigan exemptions claimed)
☐ Payment Advices for 60 days pre-petition (or affidavit of non-receipt)
☐ Filing Fee $338 or Application to Pay in Installments (Form 103A)
☐ Local Form Certifications (EDMI or WDMI)
☐ Certificate of Credit Counseling
[// GUIDANCE: Submit all documents via CM/ECF using event codes specific to
the District. The automatic stay of 11 U.S.C. § 362 takes effect immediately
upon docketing of the Petition.]
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END OF TEMPLATE
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