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Completing your Ohio bankruptcy process successfully

In many situations, bankruptcy can be more of a help than a hindrance. As people recognize this, the use of bankruptcy to deal with financial issues is becoming increasingly popular.

It is important to understand the procedure fully in order to handle it successfully. In order to complete the bankruptcy process in Ohio, there are a few key elements that a filer must address.

Credit counseling

One of the first requirements in the bankruptcy process is for filers to complete a credit counseling course through an approved credit counseling agency. Filers may choose to do this course prior to filing, which may help in determining if a Chapter 7 or chapter 13 is the best option. For those who choose to complete the course ahead of filing, it is important to remember that the party must file within six months of taking the course. There is also a debtor education course that parties may take at the end of the bankruptcy. In some cases, filers may forgo this course; however, with its purpose being to set participants up for financial success moving forward, many find value in it.


Throughout the process, there will be several documents that filers must present. Some of the main documentation includes the following:

  • Monthly living expenses
  • Itemized income sources
  • All debt
  • Deeds to assets
  • Major purchases within the last two years

It is important that parties present all necessary paperwork upon request and that the paperwork be complete and accurate. Any discrepancies may have a negative effect on the process.

Meeting of the creditors

During the meeting of the creditors, or the 341 meeting, the creditors agree to the terms of loan forgiveness or repayment. The bankruptcy trustee facilitates the process, and it is mandatory that the debtor attend.

The bankruptcy process can be a bit strenuous, but having an understanding of its various aspects can aid in making it a success. If you are thinking about filing for bankruptcy, consider consulting with a professional to determine the best course of action for you.

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