Chapter 7 vs. Chapter 13 Bankruptcy in Ohio: Which One Is Right for You? Chapter 7 generally addresses dischargeable debt without a repayment plan, subject to eligibility and nonexempt-asset rules. Chapter 13 uses a court-approved repayment plan and can provide tools for arrears, secured debts, and property protection. Bankruptcy affects property, contracts, lawsuits, credit reporting, taxes, secured debts, and future financial choices. A filing is made under oath, so the strategy must be built from complete records rather than estimates or selective disclosure. This guide explains the general Ohio framework in plain language and identifies the records and decisions that usually matter most. In this guide A clear answer to…