Introduction
Chapter 13 bankruptcy helps Ohio residents repay debt over time while keeping assets like a
home or car. Unlike Chapter 7, Chapter 13 sets up a repayment plan based on your income and
allowed expenses. It’s designed for people who have a steady income and want to reorganize
their finances.

Who Qualifies for Chapter 13

• Must have regular income.

• Debt limits must not be exceeded.

• Can be a good option if you want to protect your home from foreclosure.

How the Process Works

• File a petition and financial documents with the court.

• A trustee reviews your repayment plan.

• You make monthly payments according to the plan (usually 3–5 years).

• Remaining qualifying debts may be discharged at the end of the plan.

Benefits of Chapter 13

• Protects your home from foreclosure.

• Stops collection calls and wage garnishments.

• Allows manageable repayment of debts over time.

Next Steps
Chapter 13 can help you reorganize debt without losing important