Midland Bankruptcy Resources | Legal Help & Factual Resources
Helpful Information for Bankruptcy Filings in
Midland — Midland County — Michigan
View the Bankruptcy Rules
View the Bankruptcy Code
View the Federal Rules of Evidence
PACER (Public Access to Court Electronic Records)
If you have previously filed a bankruptcy case in the State of Michigan or any other state, you can search PACER to obtain information about your case and download copies of the documents. There might also be other court documents pertinent to your bankruptcy filing that you will be able to locate on PACER.
Anyone can set up a PACER account. There are charges for files accessed and downloaded. www.pacer.gov
U.S. Bankruptcy Courts:
www.uscourts.gov/bankruptcycourts.html
Michigan Southern District Bankruptcy Court
Midland County bankruptcy cases will be filed with this bankruptcy court:
111 First Street, Bay City
Michigan 48708
(989)894-8840
Counties Served: lcona, Alpena, Arenac, Bay, Cheboygan, Clare, Crawford, Genesee , Gladwin, Gratiot, Huron, Iosco, Isabella, Jackson, Lapeer, Lenawee, Livingston, Macomb, Midland, Monroe, Montgomery, Oakland, Ogemaw, Oscoda, Otsego, Presque Isle, Roscommon, Saginaw, Saint Clair, Sanilac, Shiawassee, Tuscola, Washtenaw, Wayne
An experienced Midland Bankruptcy Lawyer will know the federal laws governing bankruptcy, but will also be familiar with the Local Bankruptcy Court Rules that are specific to each district, and sometimes specific to individual bankruptcy judges. Contact a Midland County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.
Midland 341 Meeting Room Location
As soon as a bankruptcy case is filed, a date is set for the Meeting of Creditors, also known as the 341 Meeting. This meeting gives creditors the opportunity to question the debtor (you) about monies owed and property owned. An average 341 Meeting lasts about 3 to 4 minutes. Your Midland Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.
The meeting room location is:
101 First Street
Suite 103
Bay City, MI 48708
U.S. Trustee
Chapter 13 Trustees
When your Chapter 13 bankruptcy case is filed with the Court, a Chapter 13 Trustee will be assigned to your case. The Chapter 13 Trustees for the Southern District of Michigan are:
Carl L. Bekofske
400 North Saginaw Street Suite 331
Flint, MI 48502
E-mail: cbekofske@flint13.com
Phone: (810)238-4675-Fax: (810)238-4712
Krispen S. Carroll
719 Griswold Street Suite 1100
Detroit, MI 48226
E-mail: www.Det13skc.com
Phone: (313)962-5035-Fax: (313)965-1940
Thomas W. McDonald, Jr.
3144 Davenport Avenue Saginaw, MI 48602
E-mail: Tom@McDonald13.org
Phone: (989)792-6766-Fax: (989)791-6565
David W. Ruskin
1100 Travelers Tower 26555 Evergreen Road
Southfield, MI 48076
E-mail: www.Det13.org
Phone: (248)352-7755-Fax: (313)352-2902
Tammy L. Terry
535 Griswold Suite 2100
Detroit, MI 48226
E-mail: www.Det13.net
Phone: (313)967-9857-Fax: (313)967-9501
Credit Counseling Services in the Midland area:
All individuals (not business entities) are required to complete credit counseling before their bankruptcy case can be filed – for all chapters of bankruptcy, including Chapter 7, Chapter 13, Chapter 12, and Chapter 11. After the case is filed, individuals must complete the second half of the course which is called debt management. View the Federal Trade Commission's brochure with consumer information about credit counseling and debtor education.
Credit counseling services must be approved by the bankruptcy court in order to provide these classes. In the Midland area, these providers have been approved:
Denton Robert P
3101 Cabaret Trl S, Saginaw Charter Township, MI
(989) 791-1611
National Credit Sweep
3865 Wilder Road, Bay City, MI
(989) 922-8354
For other approved providers in the Midland area, visit the U.S. Dept. of Justice website.
Credit Reporting Agencies:
Your Midland Bankruptcy Attorney may have you sign an authorization form so your credit report can be downloaded directly or you may be asked to obtain your free annual credit report yourself and submit it with your other bankruptcy documentation.
You are entitled to a free annual credit report from the three nationwide credit reporting companies. Don't be tricked by TV ads, email offers, or website banner ads into paying for your credit report. The only authorized source for your free credit report is AnnualCreditReport.com. Visit the Federal Trade Commission's website for more information about your free annual credit report.
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
http://www.equifax.com
TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
http://www.transunion.com
Experian
National Consumer Assistance Center
P.O. Box 949
Allen, MI 75013-0949
1-800-682-7654
http://www.experian.com
Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358
Tax Returns:
You will be required to file copies of your tax returns for the past 2-3 years; submitting them either to the Trustee or the Bankruptcy Court, depending on local bankruptcy rules.
Federal Tax Returns:
For Information on how to obtain a Tax Return Transcript from the Internal Revenue Service, visit the IRS website or call 1-800-908-9946.
State Tax Returns:
You will need to submit state income tax returns if, during the past 2-3 years, you lived in a state that imposes state and/or local income taxes. (There are 43 states in the United States that have a state income tax.) Contact the state's taxing authority if you need to obtain copies of your tax returns from any of these states.
Vehicle Valuations:
You will need a fair and accurate value for any vehicles you own as of the day of filing your bankruptcy case. You can use online sources, but it is sometimes more accurate to get an estimate from a local used car dealer. Local car dealers have a better idea of what someone would actually pay for a vehicle in their city, which is not always the same as the value in the car buying guides.
Online Vehicle Valuations:
NADA - www.NADA.com
Kelly Blue Book - www.kbb.com
Edmunds - www.Edmunds.com
Local Used Car Dealers (for obtaining vehicle valuations):
Dirk W Used Car Dept
506 E Buttles Street
Midland, MI 48640
(989) 486-1859
Reinberg's Used Cars And Parts
1627 E Saginaw Road
Midland, MI 48642
(989) 832-8731
First Choice Auto Sales
608 E Ellsworth Street
Midland, MI 48640
(989) 631-4008
Appraisals and Valuations for Real Estate (Real Property)
A fair and accurate value for your real property must be listed on your bankruptcy forms (Schedule A). Although some Trustees and Bankruptcy Courts will use the value assigned to your property by your local tax assessor, it is beneficial to have a local expert, such as a Midland real estate agent, give you a valuation on your property.
Some local Midland area realtors include:
Baker Real Estate
117 Mcdonald Street
Midland, MI 48640
(989) 832-3451
Ayre Rhinehart Realtors
4809 Jefferson Avenue
Midland, MI 48640
(989) 631-7000
E P I Homes
3815 Woodside Drive
Midland, MI 48640
(989) 832-3927
Midland County Bankruptcy Law Firms will review your financial situation, provide you with advice on the bankruptcy process, and show you how you can receive debt relief!
Serving clients throughout Central Michigan, including Alma, Beaverton, Clare, Flint, Harrison, Lansing, Midland, Mount Forest, Mount Pleasant, Saginaw, Shields, and other communities in Midland County.
Contact a Midland Bankruptcy Attorney today for a free initial consultation.
Other Legal Bankruptcy Lawyers
If for some unforeseen reason, the Midland Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Midland Bankruptcy Lawyers listed on HG.org; or the Midland Bankruptcy Lawyers listed on GetLegal.com; or the Midland Bankruptcy Lawyers on Justia.com