Frequently Asked Questions About Chapter 7 Bankruptcy in Ohio

Chapter 7 bankruptcy—also called a “fresh start bankruptcy”—is a legal process that allows individuals to eliminate most unsecured debts, such as credit cards, medical bills, and personal loans. In Ohio, once you file, an automatic stay immediately stops creditor actions, including wage garnishments and lawsuits. A trustee reviews your case, but thanks to Ohio’s generous exemptions, most people who file with help from Fesenmyer Law Offices, LLC keep their home, car, and essential property.

Answer: Eligibility for Chapter 7 depends primarily on your income and financial situation. You must pass the Means Test, which compares your income to the median for your household size in Ohio. If you qualify, Chapter 7 can wipe out most unsecured debts in as little as four months. The attorney at Fesenmyer Law Offices will evaluate your income, debts, and assets to determine if you qualify and explain your options.

Answer: In most cases, no. Ohio law allows you to use the homestead exemption to protect up to a certain amount of your home, and you can also keep a car with reasonable equity. Fesenmyer Law Offices carefully applies all exemptions to help you protect your most important assets while eliminating debt.

Answer: Chapter 7 bankruptcy can discharge most unsecured debts, including:

• Credit card balances
• Medical and dental bills
• Payday loans
• Personal and signature loans
• Certain old judgments or collections

However, some debts—like student loans, recent taxes, alimony, or child support—typically cannot be discharged. Your Ohio bankruptcy attorney at Fesenmyer Law Offices will review your specific debts to clarify what can and cannot be eliminated.

Answer: A typical Chapter 7 case in Ohio takes about four months from filing to discharge. After your initial consultation, Fesenmyer Law Offices prepares your petition, files your case electronically, and guides you through every step until your discharge is granted.

Answer: Yes. Once your bankruptcy is filed, the automatic stay immediately stops all creditor collection activity—no more phone calls, letters, lawsuits, or wage garnishments. Fesenmyer Law Offices ensures your creditors are notified promptly so you can experience relief from harassment almost immediately.

Answer: Your credit score may drop temporarily after filing, but most clients find that bankruptcy gives them the opportunity to rebuild credit faster than continuing to struggle with unpaid debts. Within months of discharge, many people receive offers for secured credit cards or low-limit loans. Fesenmyer Law Offices provides post-bankruptcy guidance to help you restore your credit responsibly.

Answer: The total cost includes the court filing fee, a credit report fee, plus attorney’s fees. At Fesenmyer Law Offices, we keep costs reasonable and transparent. We also offer flexible payment plans and a free initial consultation so you can understand your options before committing to the process.

Answer: The Means Test determines whether your income is low enough to qualify for Chapter 7. It compares your household income to Ohio’s median based on family size. Even if your income is above the median, Fesenmyer Law Offices can often use allowed expenses and deductions to help you qualify. This is one area where experienced legal advice is critical.

Answer: Yes. Married couples can file a joint bankruptcy petition, which is often more efficient and cost-effective. Fesenmyer Law Offices will help you decide whether filing jointly or individually offers the best protection and outcome for your family.

Answer: In most cases, retirement accounts such as 401(k)s and IRAs are fully protected under federal and Ohio law. Tax refunds may be partially exempt, depending on timing and the amount. The attorney at Fesenmyer Law Offices will help you plan strategically before filing so you can maximize protection for your assets.

Answer: Bankruptcy filings are public record, but they’re not broadcast. Employers or landlords usually don’t know unless you tell them or they run a credit check.

Answer : Most credit card accounts will be closed when you file, but you’ll likely receive new credit offers soon after your discharge. Fesenmyer Law Offices can advise you on rebuilding credit safely and choosing post-bankruptcy credit options that support long-term financial health.

Answer: Chapter 7 eliminates most debts quickly, while Chapter 13 reorganizes debts into a manageable repayment plan over three to five years. If you have significant assets or are behind on mortgage payments, Chapter 13 may be better. The attorney at Fesenmyer Law Offices will help you compare both options and recommend the best fit for your goals.

Answer: At Fesenmyer Law Offices, our mission is to help Ohio residents overcome debt with dignity and confidence. Serving clients in Dayton, Cincinnati, Columbus and the surrounding areas, we provide:

• Free, no-pressure consultations
• Personalized debt relief strategies
• Full representation through filing and discharge
• Guidance on credit rebuilding and financial recovery

We’ve helped thousands of Ohioans erase debt, protect their assets, and rebuild their financial futures. If you’re overwhelmed by bills or facing creditor harassment, our experienced bankruptcy attorney is ready to help you find relief today.