Understanding Bankruptcy in Ohio: What You Need to Know

Filing for bankruptcy can feel overwhelming, both emotionally and financially. If you’re considering this step to regain control of your financial future, understanding the costs involved is crucial. Whether you’re filing Chapter 7 or Chapter 13 bankruptcy in Ohio, this guide will walk you through the key expenses, potential payment plans, and how The Law Office of David A. Bhaerman can help ease the process.

What Is Bankruptcy?

Bankruptcy is a legal process designed to help individuals or businesses eliminate or repay debts under the protection of the federal court. It offers a fresh start for those overwhelmed by financial obligations.

Types of Consumer Bankruptcy

  1. Chapter 7 Bankruptcy: Often referred to as "liquidation bankruptcy," Chapter 7 discharges most unsecured debts, like credit card balances and medical bills.
  2. Chapter 13 Bankruptcy: Known as a "reorganization bankruptcy," Chapter 13 involves creating a repayment plan to pay back debts over a three- to five-year period.

How Much Does It Cost to File Bankruptcy in Ohio?

The cost of filing bankruptcy in Ohio varies depending on the type of bankruptcy and the complexity of your case. Here's a breakdown of typical expenses:

Court Filing Fees

  • Chapter 7 Filing Fee: $338 (as of 2024).
  • Chapter 13 Filing Fee: $313.

These fees are paid directly to the bankruptcy court when filing your case. Fee waivers or installment plans may be available for those with limited income.

Attorney Fees

Attorney fees are a critical part of the bankruptcy process, ensuring your case is handled correctly and efficiently. The Law Office of David A. Bhaerman offers transparent and affordable pricing:

  • Chapter 7 Bankruptcy: A retainer fee of $850, which typically covers the entire cost of filing and handling the case.
  • Chapter 13 Bankruptcy: The $850 retainer partially covers the cost of handling your case, with the remainder included in your repayment plan.

This straightforward approach ensures there are no surprises, making it easier to budget for your legal expenses.

Breaking Down the Costs

To better understand the total expenses, let’s outline common costs involved in filing bankruptcy:

  1. Mandatory Credit Counseling: Before filing, you must complete a pre-filing credit counseling session, which costs between $25 and $50.
  2. Debtor Education Course: After filing, a debtor education course is required. This costs approximately $25 to $50.
  3. Attorney Fees: The expertise and guidance provided by an attorney ensure your case proceeds smoothly. For example, The Law Office of David A. Bhaerman’s affordable $850 retainer simplifies the process.
  4. Court Fees: Filing fees are standard but may vary slightly depending on the type of bankruptcy.

How Attorney Fees Work in Chapter 13 Cases

In Chapter 13 bankruptcy, the remaining attorney fees not covered by the initial retainer are spread across your repayment plan. This means you don’t need to pay the full cost upfront, making it easier to manage your expenses.

Why Invest in Legal Representation?

While it’s possible to file for bankruptcy on your own, hiring an experienced attorney offers numerous benefits:

  • Expert Guidance: An attorney ensures all paperwork is filed correctly and deadlines are met.
  • Legal Strategy: They can help you maximize exemptions, protecting your property from liquidation.
  • Peace of Mind: Knowing a professional is handling your case reduces stress and potential errors.

The Law Office of David A. Bhaerman specializes in compassionate and professional bankruptcy services, helping Ohio residents navigate this challenging process.

Cost-Saving Tips for Filing Bankruptcy in Ohio

  1. Consult with an Attorney: Many law offices, including The Law Office of David A. Bhaerman, offer free initial consultations to help you understand your options.
  2. Request a Fee Waiver: If your income is below 150% of the federal poverty level, you may qualify for a court filing fee waiver.
  3. Opt for Installment Plans: Spread out your filing fee over manageable payments. A 4-payment plan is available.

What Does The Law Office of David A. Bhaerman Offer?

We understand that filing bankruptcy may be happening during one of the most difficult times in your life. The Law Office of David A. Bhaerman is dedicated to making the bankruptcy process as smooth and affordable as possible:

  • $850 Retainer: Covers most or all costs associated with Chapter 7 bankruptcy.
  • Payment Flexibility: Remaining fees for Chapter 13 are included in the repayment plan, reducing upfront costs.
  • Compassionate Service: The team is committed to understanding your unique situation and providing tailored advice.
  • Experience: David has filed more than 1,500 bankruptcy cases for his clients. You can be sure you’re getting great representation for your case.

Is Bankruptcy Right for You?

Filing for bankruptcy isn’t a decision to take lightly. However, it can be a lifeline for those drowning in debt. If you’re unsure whether this is the right step, consider the following:

  • Are you unable to pay your bills on time?
  • Are creditors or collection agencies constantly contacting you?
  • Are you at risk of losing your home or car due to unpaid debts?

If you answered yes to any of these questions, consulting with bankruptcy attorney David Bhaerman may be beneficial.

How to Get Started

Taking the first step toward financial freedom is as simple as scheduling a consultation here. Here’s what to expect:

  1. Free Consultation: Discuss your financial situation and explore your options.
  2. Document Preparation: Gather necessary documents, such as pay stubs, debt records, and tax returns.
  3. Case Filing: David will handle the paperwork and filing process, ensuring everything is in order.
  4. Representation: You will be well-represented in any court sessions and any communication with creditors or the court.

Frequently Asked Questions About Bankruptcy Costs in Ohio

1. Can I file for bankruptcy without an attorney?

While it’s legal to file without an attorney, called “per se”, it’s not recommended. Bankruptcy laws are complex, and even small mistakes can result in case dismissal.

2. Are there any hidden fees when filing for bankruptcy?

No. The Law Office of David A. Bhaerman provides clear pricing, including an $850 retainer that covers most or all of Chapter 7 costs.

3. Can bankruptcy help me stop wage garnishments?

Yes. Filing for bankruptcy triggers an automatic stay, which halts wage garnishments and other collection actions.

4. Will I lose all my property in Chapter 7 bankruptcy?

No. Ohio law provides exemptions that protect certain assets, such as your home, car, and personal belongings.

5. How long does the bankruptcy process take?

Chapter 7 typically takes 3–6 months, while Chapter 13 lasts 3–5 years due to the repayment plan.

The Final Word

Filing for bankruptcy in Ohio doesn’t have to be an overwhelming or confusing experience. With clear guidance and affordable services, The Law Office of David A. Bhaerman is here to help you every step of the way. From the $850 retainer to flexible payment plans, our empathetic approach ensures you can focus on rebuilding your financial future.

Chapter 7 Bankruptcy

This type of bankruptcy is considered a liquidation of debts, but rarely must a debtor sell any of their property to pay back debt. There are a number of personal and real property items that are exempt from sale, protected under state law.

More About Chapter 7 Bankruptcy >>

Chapter 13 Bankruptcy

This type of bankruptcy filing allows the debtor to reorganize debt, if he or/she can show they have the income to cover court-mandated payments. You usually can keep most of your property, but must pay creditors the value of any non-exempt assets as part of a three- to five-year payment plan. The plan also will require that your discretionary income be paid into the plan as well.

Read more about Chapter 13 Bankruptcy >>


This article is intended to provide an overview of the bankruptcy process. Filing for bankruptcy is complicated and we recommend you contact us for a free consultation to discuss your situation.

Schedule your free consultation with David Bhaerman today to see if Chapter 7 or Chapter 13 bankruptcy can help you. Call 614-834-7110 or use the appointment request form on this page.