Introduction
Chapter 7 bankruptcy is a legal tool that helps individuals in Ohio get a fresh financial start. It
allows people to eliminate certain debts and stop collection actions, such as wage garnishments
or creditor calls. Filing Chapter 7 can be a way to regain control over your finances and reduce
stress.

Who Qualifies for Chapter 7
Not everyone can file Chapter 7. To qualify, you must pass the “means test,” which looks at your
income and expenses. The test determines whether your income is low enough to make filing
Chapter 7 appropriate. Most people with regular income below the state median qualify.

How the Process Works

• You start by completing a secure online intake or meeting with an attorney.

• The bankruptcy petition and financial documents are filed with the court.

• A trustee is assigned to review your case.

• A meeting of creditors may be scheduled, where you answer questions about your finances.

• Eligible debts are discharged, usually within a few months.

 

What Debts Can Be Discharged
Chapter 7 can wipe out many types of unsecured debts, including:

• Credit card debt

• Medical bills

• Personal loans

• Certain utility bills

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Some debts, like most student loans, child support, and certain taxes, are usually not discharged.

Steps to Take Before Filing

• Gather your income, debt, and asset information.

• Complete the required credit counseling course.

• Avoid taking on new debt right before filing.

• Meet with a qualified bankruptcy attorney to review your situation.

 

Next Steps
Filing Chapter 7 can be complicated, but you don’t have to do it alone. Our Ohio-based team can
guide you through the process, answer your questions, and help you take the first step toward a
fresh financial start.