Chapter 7 Bankruptcy Attorney

Learn More About Filing for Bankruptcy

Chapter 7 Bankruptcy – Toledo, Ohio

Are you struggling with debt that you can’t pay back? Chapter 7 bankruptcy may be the solution you’re looking for. Experienced Toledo Bankruptcy attorney Scott Ciolek can help you eliminate debt through liquidation of assets, while allowing you to keep most of your property. Don’t let overwhelming debt control your life – contact us to learn more about Chapter 7 bankruptcy and how it can help you get back on track.

How Does It Work?

When you file for Chapter 7 bankruptcy, a trustee is assigned to oversee the process. Their job is to sell any non-exempt assets and distribute the proceeds to your creditors. Experienced Bankruptcy attorney Scott Ciolek will carefully review your assets and the law to exempt as much property as possible. In most cases, people who qualify for Chapter 7 bankruptcy are able to keep all of their property.


Chapter 7 is the most common Bankruptcy filed but not everyone qualifies. The bankruptcy “means test” will determine if you are eligible to file for Chapter 7 Bankruptcy. This test aims to determine whether your income exceeds a certain amount, making you ineligible for this type of Bankruptcy.


A big benefit to our clients who file a Chapter 7 is that, unlike in a Chapter 13, there is not a repayment plan lasting 3 to 5 years. Instead, all debt dischargeable is wiped out at the end of this process. This allows you to get a fresh financial start as soon as the Bankruptcy is complete.

Schedule a Free Consultation

Toledo bankruptcy attorney Scott Ciolek offers guidance on the road to debt relief. With a focus on getting the details right, our team can help you navigate the complex and confusing process of filing for bankruptcy. Contact the law firm today to schedule a consultation and learn more about how we can help. Your initial consultation is free – 419-740-5935

Frequently Asked

May a husband and wife file jointly under Chapter 7?

A husband and wife may file a joint petition under Chapter 7 using the same set of forms. Only one filing fee is charged for a joint case.

Will a person lose all of his property if he files under Chapter 7?
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Will ALL my debts be discharged?

There are exceptions. For example, bankruptcy does not provide relief from financial obligations, such as child support, alimony, and government taxes. We’ll do a full analysis and discuss which debts may not be discharged in your situation.

Can I have too much debt to file Chapter 7?

Chapter 7 bankruptcy rules do not impose a limit on the amount of debt you can have.

How do I schedule a consultation?

Bankruptcy is complex, but we’re experienced and we’ll guide you through the process. The first step is to schedule a consultation. Please call us at 419-740-5935 or fill out the contact form on our website.


Chapter 7 Bankruptcy

Chapter 7 Bankruptcy provides one of the quickest ways to get a fresh start and stop the stress of creditor calls, garnishments, and lawsuits.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy offers property protection and debt discharge in exchange for a commitment to pay back all or a portion of your debts through a payment plan.

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Mortgage Modifications

Depending on the situation, it may be possible to negotiate modifications with your lender, resulting in a lower interest rate, a lower monthly payment, extending the length of the loan, etc. 

How Can We Help?


“We were extremely impressed with the quick response to all questions, calls and emails. Scott was very clear in explaining the process and treated us with the utmost respect.” - Ohio Client

Ciolek LTD.
901 Washington St.
Toledo, Ohio 43604
Ph: 419-740-5935
Fx: 866-890-0419