Ohio Bankruptcy Laws

Get an Ohio Bankruptcy Attorney

If you reside in Ohio and are assessing filing bankruptcy an Ohio bankruptcy attorney will examine all of your options with you.

Decide, with the help of an Ohio bankruptcy attorney, whether filing Chapter 7 or Chapter 13 bankruptcy is the right option for you.

For a consultation with a local Ohio bankruptcy attorney simply fill out the form on this page.

Bankruptcy Law and Ohio Exemptions

In your initial meeting with your Ohio bankruptcy attorney you will go over all of the important differences from Chapter 7 and Chapter 13 bankruptcy.

During this appointment your Ohio bankruptcy attorney will ask you many personal finance questions or provide you with a profile sheet to list certain financial details. The answers you provide will assist you and your attorney in deciding if filing Chapter 7 or Chapter 13 bankruptcy is the correct step for you.

Chapter 7 bankruptcy is often called liquidation as the bankruptcy trustee may choose to sell or auction non-exempted property (see State Exemptions list below).

Generally, in most of Chapter 7 bankruptcy cases, the person filing bankruptcy does not own non-exempt property, so this would not apply to a large amount of filings. If you do not own much property or have many assets Chapter 7 bankruptcy may be the best choice, as you are allowed to discharge most unsecured debt.

Before you file Chapter 7 bankruptcy please go over your situation with an Ohio bankruptcy attorney to determine exactly how much property may be exempt from liquidation.

Ohio State Exemptions

Homestead

Up to $20,200 worth of real or personal property.

Wages

75 percent of weekly earnings.

Automobiles

One motor vehicle worth up to $3,225.

Personal Property

1. Up to $10,725, with no single item worth more than $525, worth of books, animals, crops, musical instruments, firearms, hunting and fishing equipment.
2. Up to $1,350 of jewelry.
3. Up to $2,025 for tools of the trade.

Chapter 13 Bankruptcy is also described as “reorganization”. Persons filing Chapter 13 may own more property and by filing Chapter 13 may also retain most of their assets.

In Chapter 13 bankruptcy, the debtor prepares a proposal for a repayment plan for a term of 3 to 5 years, which must be approved by a bankruptcy court. This agreement allows the person to repay outstanding bills.

Speak With an Ohio Bankruptcy Attorney Today

Have you ever thought of filing bankruptcy in Ohio but have not because you did not know where to start or felt the process was too much for you?

To listen to all concerns about bankruptcy laws, an Ohio bankruptcy attorney will be able to walk you through the bankruptcy process in common sense terms. When you meet with an Ohio bankruptcy attorney you will also be able to have many of your questions and concerns answered in the initial visit.

Drop the hassle of finding an Ohio bankruptcy attorney. Just complete our bankruptcy questionnaire on this page and we will direct you to an Ohio bankruptcy attorney in your area.

Note: This is not legal advice. All bankruptcy laws in any state need the consult of a bankruptcy attorney licensed in that state. Consult a local attorney if you are seeking legal advice. Some or all bankruptcy laws may have changed since this page was created.

Ohio Bankruptcy Attorneys are available in these areas:

ADA, ADDYSTON, ADELPHI, ADENA, AKRON, ALGER, ALLEDONIA, ALLIANCE, ALLSTATE INS CO, ALPHA, ALVADA, AMELIA, AMERITRUST, AMERITRUST BANK, AMERITRUST CARD CENTER, AMF, AMHERST, AMOS PRESS INC, AMSTERDAM, ANDERSON, ANNA, ANSONIA, APPLE CREEK, ARCADIA, ARCANUM, ARLINGTON, ARMCO STEEL CORP, ASHLEY, ASM INTERNATIONAL, ATTICA, ATWATER, AUGUSTA, AURORA, AVON, AVON LAKE, BAINBRIDGE, BANK ONE, BANNOCK, BARBERTON, BARNESVILLE, BARTON, BASCOM, BATAVIA, BATH, BAY VILLAGE, BEACH CITY, BEACHWOOD, BEALLSVILLE, BEAVERDAM, BEDFORD, BELLAIRE, BELLBROOK, BELLE CENTER, BELLEVUE, BELLVILLE, BELMONT, BELOIT, BENTON RIDGE, BEREA, BERGHOLZ, BERLIN CENTER, BERLIN HEIGHTS, BETHEL, BETHESDA, BETTSVILLE, BIRMINGHAM, BLACKLICK, BLAINE, BLAINESVILLE, BLANCHESTER, BLOOMDALE, BLOOMINGDALE, BLOOMVILLE, BLUE CROSS HOSP SERV, BLUFFTON, BOARDMAN, BOLIVAR, BOTKINS, BOURNEVILLE, BOWERSTON, BOWERSVILLE, BOWLING GREEN, BRADFORD, BRADNER, BRADY LAKE, BRECKSVILLE, BREWSTER, BRICE, BRIDGEPORT, BRILLIANT, BRM UNIQUE FIRM ZIP, 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