Ohio Bankruptcy

Bankruptcy laws and resources vary from state to state. The following page provides information and resource links for the state of Ohio.

If you are not looking for information regarding Ohio, please use the links on the right to find information for your state.

Ohio Bankruptcy Courts - Location and Contact Information

Ohio bankruptcy courts are divided into two districts, which are further divided into several divisions.  Generally, the debtor’s county of residence will determine which district and division the bankruptcy petition is filed.  It may also be determined by the location of the debtor's principal place of business or principal assets.


Counties of Jurisdiction:

Akron Location - Medina, Summit and Portage Counties

Canton Location - Ashland, Carroll, Crawford, Holmes, Richland, Stark, Tuscarawas and Wayne Counties

Cleveland Location - Cuyahoga, Geauga, Lake and Lorain Counties

Youngstown Location - Ashtabula, Columbiana, Mahoning and Trumbull Counties

Toledo Location - Allen, Auglaize, Defiance, Erie, Fulton, Hancock, Hardin, Henry, Huron, Lucas, Marion, Mercer, Ottawa, Paulding, Putnam, Sandusky, Seneca, Van Wert, Williams, Wood and Wyandot Counties

Eastern Div.
@ Akron
U.S. Bankruptcy Court
John F. Seiberling Federal Building & U.S. Courthouse
2 South Main Street
Akron, OH 44308
Same (330) 252-6100
Eastern Div.
@ Canton
U.S. Bankruptcy Court
Frank T. Bow Federal Building
201 Cleveland Avenue, SW
Canton, OH 44702
Same (330) 458-2120
Eastern Div.
@ Cleveland
U.S. Bankruptcy Court
Howard M. Metzenbaum U.S. Courthouse
201 Superior Avenue
Cleveland, OH 44114
(216) 615-4300
Eastern Div.
@ Youngstown
U.S. Bankruptcy Court
Nathaniel R. Jones Federal Building & U.S. Courthouse
10 East Commerce Street
Youngstown, OH 44503-1621
(330) 742-0900
Western Div.
@ Toledo
U.S. Bankruptcy Court
U.S. Courthouse and Custom House
1716 Spielbusch Avenue
Toledo, OH 43624
Same (419) 213-5600

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Counties of Jurisdiction:

Columbus Location - Athens, Belmont, Coshocton, Delaware, Fairfield, Fayette, Franklin, Gallia, Guernsey, Harrison, Hocking, Jackson, Jefferson, Knox, Licking, Logan, Madison, Meigs, Monroe, Morgan, Morrow, Muskingum, Noble, Perry, Pickaway, Pike, Ross, Union, Vinton and Washington Counties

Cincinnati Location - Adams, Brown, Butler, Clermont, Hamilton, Highland, Lawrence and Scioto Counties

Dayton Location - Champaign, Clark, Clinton, Darke, Greene, Miami, Montgomery, Preble, Shelby and Warren Counties

Eastern Div.
@ Columbus
U.S. Bankruptcy Court
170 North High Street
Columbus, OH 43215

(614) 469-6638
Western Div.
@ Cincinnati
U.S. Bankruptcy Court
221 E. Fourth Street
Atrium Two Suite 800
Cincinnati, OH 45202

Same (513) 684-2572
Western Div.
@ Dayton
U.S. Bankruptcy Court
120 West Third Street
Dayton, OH 45402

(937) 225-2516

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Ohio Bankruptcy Laws and Exemptions

Ohio Exemptions

The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.

For Ohio bankruptcy filings, state exemptions are used. Click here for some common bankruptcy exemptions pursuant to Ohio law.

Contact an Ohio bankruptcy lawyer for more information regarding Ohio bankruptcy exemptions.

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Ohio Means Test

The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:

1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median. Census Bureau statistics for state median income by family size can be found here (for cases filed between April 1, 2013 and April 30, 2013).

2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results of Form 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation. .

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Ohio Credit Counseling and Debtor Education Agencies

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Ohio must:

1. take a credit counseling course from an approved Ohio credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved Ohio debtor education agency prior to receiving a bankruptcy discharge.

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Ohio Personal Bankruptcy Attorneys

To find Ohio bankruptcy lawyers in your area, you may want to contact your local county bar association or the Ohio State Bar Association:

1700 Lake Shore Drive
Columbus, OH 43204
(800) 282-6556
(614) 487-2050

Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: See the Ohio Legal Services' website for a list of organizations that provide legal services to low income clients in Ohio.

If you are concerned about the representation provided to you by an Ohio bankruptcy attorney, visit the Ohio Supreme Court Board of Commissioners on Grievances & Discipline's web page regarding the process for filing a complaint.

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Resources for Ohio Bankruptcy Laws

U.S. Bankruptcy Court for the Northern District of Ohio - administrative and procedural information for Northern District of Ohio bankruptcy filings

U.S. Bankruptcy Court for the Southern District of Ohio - administrative and procedural information for Southern District of Ohio bankruptcy filings

Office of the U.S. Trustee for Region 9 - oversees the administration of Ohio personal bankruptcy cases and case trustees

Ohio State Bar Association - information about the Ohio bar, membership, ethics, continuing legal education, and resources for the public.

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