Chapter 7 Bankruptcy Attorney

Learn More About Filing for Bankruptcy

Chapter 7 Bankruptcy – Toledo, Ohio

lastherIf you have more debt than you can pay back, then filing Chapter 7 Bankruptcy may be an option for you. A Chapter 7 Bankruptcy eliminates debt through liquidation of assets. That sounds scary but the majority of people will be able to keep all of their property.

How Does It Work?

Here’s how it works:  when you file for Bankruptcy, a trustee is assigned to oversee the process. Their job is sell assets and distribute the money to your creditors whenever the possible. The trustee is limited to selling non-exempt assets only. When we file your Bankruptcy petition, we are carefully look at your assets and the law and exempt as much as possible. As noted above, most people who qualify for a 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 Chapter 7 Bankruptcy. The purpose of this test is to determine whether your income exceeds a certain amount making you ineligible for this particular 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

The road to debt relief can be complex and confusing.  Attorney Scott Ciolek understands that filing for bankruptcy successfully depends on getting the details right. Call today to set up a consultation with Scott at 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