Debt doesn't have to follow you forever.
Chapter 7 bankruptcy can eliminate most unsecured debt in as little as 90 days. One flat attorney fee. A licensed Michigan attorney. A clear process you can actually follow.
Chapter 7 — David R.
Eastern District of MichiganBankruptcy is a legal right. Not a failure.
Federal bankruptcy law exists for a reason. It exists so honest people facing impossible debt have a defined, legal path forward. There is no shame in using a tool that was built for exactly this moment.
See If I QualifyThe moment you file, the automatic stay goes into effect. Collection calls stop. Wage garnishments stop. The pressure lifts immediately.
What happens when you file Chapter 7 in Michigan
Five steps from today to discharge
Every step is defined. You always know what is happening, what comes next, and when you will be done.
Qualify
Fill out our brief online form. Takes about 5 minutes. No payment required.
Attorney consult
Schedule a brief phone call with your Michigan attorney to review your case.
Sign and pay
Sign your engagement letter electronically and pay your flat fee. All online.
Intake and filing
Upload documents via your portal. We prepare and file your petition.
Discharge
Attend a short 341 phone hearing. ~60 days later your discharge arrives.
One flat attorney fee. No surprises.
Our attorney fee is fixed before you commit. Every other cost is disclosed upfront — including the court's separate filing fee.
Our flat fee covers attorney work only. The $338 court filing fee is separate and billed at cost. If your income qualifies, we can apply to have it waived for just $49.
Your attorney walks through all fees during your free consult — before you commit to anything.
We also handle divorce and name changes
Sometimes a fresh start means more than one legal step. FileRelief handles consent judgment divorce and legal name changes for Michigan residents, with the same flat-fee transparency.
Consent Judgment Divorce
An uncontested collaborative divorce for Michigan residents. No court battles, no lengthy litigation. Flat fee, handled online.
Legal Name Change
A court-ordered legal name change in Michigan. We prepare and file everything. You show up once.
Is FileRelief right for you?
We would rather be honest now than let you down later. Read both sides.
You want a clear process and a defined end date.
Most clients just want to know what to do, when to do it, and when it will be over.
- ✓You are comfortable managing your case through a secure online portal and email
- ✓You want a flat fee with no billing surprises
- ✓You are ready to take a concrete step forward
- ✓You can attend one brief phone hearing (the 341 meeting)
- ✓You understand we respond within 1 to 2 business days, not on-demand
You need frequent access to your attorney by phone.
That is okay. We would rather be honest now than let you down later.
- —You want to call your attorney directly and frequently
- —You prefer in-person meetings with your legal team
- —Your case involves significant business assets or active litigation
- —You expect same-day responses at all hours
- —You have an adversary proceeding already filed against you
Real people. Real relief.
“I was terrified to file. I thought it would be complicated and expensive. FileRelief made it simple. I knew exactly what to do and what it would cost before I paid anything.”
“My wife and I filed together. The portal was easy to use, the attorney was responsive, and our discharge came through right on schedule. This gave us our lives back.”
“I had a mountain of medical debt after my surgery. I kept putting off filing because I thought it would be too hard. It was neither. I wish I had done this sooner.”
Answers to what people ask most
No — and we tell you upfront. Attorney fee is $599 (individual) or $1,099 (joint). The $338 court filing fee is separate and billed at cost. If your income qualifies, we can apply to have it waived for $49.
You don't have to keep carrying this.
Fill out our brief qualification form and a licensed Michigan bankruptcy attorney will review your situation. No payment required to qualify.
Takes about 5 minutes. No payment required.