Bankruptcy Laws in Ohio.

Federal filing fee for Chapter 7 bankruptcy. Fee waivers available for qualifying low-income filers.

Federal filing fee for Chapter 13 bankruptcy.

You must complete credit counseling from an approved agency within 180 days before filing and a debtor education course before discharge.

You must have been domiciled in Ohio for at least 730 days (2 years) before filing to use Ohio exemptions. Otherwise, your prior state's exemptions apply.

Protects up to $182,625 in equity in your primary residence (real or personal property used as a residence). Amount is adjusted periodically.

Protects up to $5,025 in equity in one motor vehicle.

Employer-sponsored retirement plans (401(k), 403(b), pensions) are fully exempt. IRAs are protected up to approximately $1,711,975 per person.

A wildcard exemption of $1,675 can be applied to any property. This is relatively small compared to many other states.

75% of earned but unpaid wages are exempt from garnishment.

Ohio does not allow bankruptcy filers to choose federal exemptions. You must use Ohio state exemptions.