Difference Between Chapter 7 & Chapter 13 Bankruptcy

Chapter 7

Chapter 13

Wage Garnishment


Creditor Harassment

Small Business Bankruptcy


Let Us Help You File for Chapter 7 Bankruptcy in Ohio

If you are struggling financially, Chapter 7 bankruptcy can provide an opportunity to get out of debt in three to five months. The Southard Law Firm, L.L.C. offers legal representation to help you find a solution to mounting debt. Our Chapter 7 bankruptcy attorney in Cincinnati thrives on helping good people get out of bad situations and offers personalized service for every client.

Find out if filing for Chapter 7 is right for you. Call our Cincinnati office at to learn about your debt relief options in a free phone consultation.


The Chapter 7 Bankruptcy Process

It may be possible to file for bankruptcy protection under Chapter 7 as long as you have not filed for bankruptcy in the past eight years or received a Chapter 13 discharge in the past six years. A means test is required to determine eligibility for Chapter 7. The means test assesses your income and assets to ensure that you are actually unable to pay your debts.

If you are eligible for Chapter 7, you may be able to eliminate:

  • Credit card debt
  • Medical bills
  • Unsecured loans
  • Other unsecured debt

Approximately 30 to 45 days from filing, creditors will meet before a Chapter 7 bankruptcy trustee. You will be sworn in and asked questions about your finances. Our bankruptcy attorney, Arthur Southard, can help you prepare for this meeting and will guide you through the process until your debts are discharged.

Debts That Cannot Be Discharged in Chapter 7

Not all debts can be discharged in Chapter 7 bankruptcy. Student loans cannot be discharged unless they will “impose an undue hardship on the debtor and debtor’s dependents.” However, this is a difficult standard and most student loans are not discharged.

In addition, you may not be able to keep your home and car unless you can bring the loans current. If you need to save your home from foreclosure, you may consider a Chapter 13 bankruptcy. However, because each situation is unique, it is best to seek advice from an experienced Cincinnati Chapter 7 bankruptcy attorney.

Reach out to a Cincinnati Chapter 7 Attorney Today!

If you are overwhelmed by your debt, you do have options. At The Southard Law Firm, L.L.C., we are dedicated to finding the best solutions for your unique debt situation. Attorney Arthur Southard has been helping debtors throughout Ohio resolve their financial issues for nearly a decade, and he is prepared to help you.

Take the first step toward financial freedom. Call our Chapter 7 lawyer in Cincinnati at for a free phone consultation.


Personal Attention

We will work to help you move confidently through the legal process and court system, while keeping your goals in mind at all times.


Providing legal counsel and services to people and businesses in Cincinnati and surrounding Ohio counties. Call Attorney Southard to schedule an appointment today.