Is bankruptcy right for you?

Call (937) 401-5000
Client Login

  • Skip to primary navigation
  • Skip to main content
  • Skip to footer
Cope Law Offices logo

Cope Law Offices, LLC

Ohio Bankruptcy Attorneys

  • About
    • Our Firm
    • Russ Cope
  • Bankruptcy
    • Overview
    • Protection
    • Foreclosure
    • Chapter 7
    • Chapter 13
    • Unsecured Debt
    • Secured Debt
  • Locations
    • Dayton / Centerville
    • Downtown Dayton
    • Springfield
    • Vandalia
    • West Chester
  • Questions?
    • Bankruptcy Q&A
    • Reader Q&A
    • Ask a Question
  • Blog
  • Contact Us

Chapter 7 Bankruptcy

We have helped hundreds of people navigate Chapter 7 bankruptcy. We want to help you get debt relief and the chance to get a fresh start.

Free Bankruptcy Evaluation

Privacy Policy

Chapter 7 Eliminates Many Types of Debt

Chapter 7 bankruptcy is designed for people whose income is below the median income in Ohio for a household of their size. If your income exceeds the median, you may have to file Chapter 13, although there are exceptions.

Is Chapter 7 Bankruptcy Right for You?

Please see our Chapter 7 Means Test for more information. At Cope Law Offices, LLC, we will help you determine your eligibility for Chapter 7 whether you are an individual, a couple or a small business.

Focus Areas of Expertise

Bankruptcy icon of balloon carrying money

Bankruptcy

Bankruptcy protection icon of life preserver

Bankruptcy Protection

Bankruptcy and foreclosure icon of a closed sign

Bankruptcy & Foreclosure

Chapter 7 bankruptcy icon of a number 7

Chapter 7 Bankruptcy

Chapter 13 bankruptcy icon of a number 13

Chapter 13 Bankruptcy

Secured and unsecured debt icon of a wall

Unsecured & Secured Debt

Chapter 7 Bankruptcy Information

One of the benefits of bankruptcy is that you receive the protection of the automatic stay from all collection activities during the bankruptcy process. This includes creditor harassment, repossession, foreclosure and wage garnishment.

Many of your debts will be discharged (eliminated) under Chapter 7 bankruptcy. Unsecured debts, including credit cards, medical debt and unsecured loans, are typically discharged. However, you cannot discharge debts for spousal support, child support, some taxes or student loans.

If you have secured debt, such as a mortgage or car loan, the home or vehicle may be sold. The money from the sale will go to your creditors. You may be able to keep your house and car if you reaffirm your loans with the lenders and can continue to make the loan payments. In many cases, Chapter 13 is a better choice if you wish to keep your house and other assets. Our attorney can help you determine which chapter is right for you.

Many of your secured assets may be exempt from bankruptcy. We can discuss which assets you will be able to keep if you decide to file.

Contact a Vandalia Debt Relief Lawyer

Please contact our office at 937-401-5000 or  to schedule an appointment. Serving Dayton, Springfield, Vandalia, Lebanon, Mason and surrounding Ohio communities.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Free Case Review

Struggling with debt? Send us an email.

  • This field is for validation purposes and should be left unchanged.

Privacy Policy


Latest Posts

  • Dayton During the Pandemic: Local Economic Impact
  • Think Twice Before Reaffirming Mortgage Debt
  • Surviving the Government Shutdown (and Aftermath)

Footer

Dayton Office

6826 Loop Rd
Dayton, OH 45459
Map & Directions

Phone: 937-401-5000
Fax: 877-845-1231

Downtown Dayton

11 W Monument Ave, Ste 300
Dayton, OH 45402
Map & Directions

Phone: 937-648-0100
Fax: 877-845-1231

Springfield Office

49 E. College Ave, Suite 300A
Springfield, OH 45504
Map & Directions

Phone: 937-284-8139
Fax: 877-845-1231

Vandalia Office

812 East National Road, Suite A
Vandalia, OH 45377
Map & Directions

Phone: 937-387-1598
Fax: 877-845-1231

  • About
  • Bankruptcy
  • Questions
  • Blog
  • Payments
  • Contact

© 2025 · Cope Law Offices, LLC · Terms · Disclaimer · Privacy · Sitemap
Legal Marketing by National Bankruptcy Forum, a JSO Consulting business.