Our Michigan bankruptcy law firm filed a Chapter 7 for a client who resides in Redford, MI. Our client was earning approximately $40,000 annually but was laid off and currently only receives unemployment. Client has approximately $8,000 in debts. Client has a car which he will retain. Client received approximately $12,000 from his 401k which he used for various expenses and to payoff his car. It was necessary to wait a few months after the client received his 401k to pass the means test since 401k distributions are considered income.