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In Ohio, you are not required to file for bankruptcy with your spouse. You may want to file independently if you have debt and your spouse does not, your spouse already filed for bankruptcy within the past eight years, your spouse doesn't want to lose their assets, and your spouse has a strong store and credit report.

Whether a case is a Chapter 7 or Chapter 13, the basic steps in the process are the same. Generally, a Chapter 7 bankruptcy case will take approximately 4 to 6 months from the date when the case is filed until the case is closed. A Chapter 13 case will typically last 36 to 60 months from the date of filing.

Your Ohio bankruptcy attorney will take care of the rest of the details from this point forward. Within 3 to 4 months from the initial date that you filed for bankruptcy, you will receive a discharge, completely eliminating any dischargeable debts that you might owe.

Technically, there is no law against filing multiple bankruptcies. However, there are laws that limit how often you can have your debts discharged through bankruptcy, and there may not be much to gain by filing for bankruptcy if you can't discharge any of your debts.

To qualify for a Chapter 13 bankruptcy, you must not have unsecured debt in excess of $360,475 or secured debt in excess of $1,081,400. If you are under these two debt limits you will most likely qualify for a Chapter 13 bankruptcy.

You can apply for a fee waiver if your income is less than 150% of the poverty guidelines in Ohio (see the table for Ohio Fee Waiver Eligibility below). The court must approve your waiver request. If the court denies your request, you can apply to pay in installments.