Introduction

Wondering if you're “deep enough in debt” to file for bankruptcy? In Ohio, there is no minimum debt requirement—even a single unpaid medical bill or credit card balance may qualify you. But that’s just one side of the picture. Especially if you’re considering Chapter 13 bankruptcy, there are debt limits that can impact your eligibility. Below, we'll walk you through everything you need to know before filing.

Is There a Minimum Debt Amount in Ohio?

• Short answer: No, Ohio does not require a minimum amount of debt to file for bankruptcy. Eligibility is based on your overall financial situation, not a specific debt threshold Hausen Law.

Chapter 13 Debt Limits You Should Know

While Chapter 7 has no debt minimum or maximum, Chapter 13 does impose limits as of early 2025:

• Secured debt (e.g., mortgage, auto loan): Must be $1,395,875 or less

• Unsecured debt (e.g., credit cards, personal loans, medical bills): Must be $465,275 or less Wikipedia+3Hausen Law+3Cleveland Bankruptcy Attorneys+3.

If your debts exceed these, you’ll need to pursue a different path—typically Chapter 7, provided you qualify otherwise.

When Debt Amount Isn’t the Whole Story

Even if you don’t owe much, other factors determine bankruptcy eligibility:

• Income vs. expenses: Your ability to repay (or lack thereof) matters more than the total amount owed.

• Means Test (for Chapter 7): Evaluates your income to see if you can handle repayment or qualify for liquidation bankruptcy.

• Type of debt: Some obligations, like student loans, taxes, or child support, may remain even after filing debtfreeohio.com+15grothlaw.com+15Wikipedia+15fcwlegal.comWikipedia+2Cleveland Bankruptcy Attorneys+2.

FAQs About Debt Levels and Bankruptcy in Ohio

Q: Can I file bankruptcy if I owe only a few hundred dollars?
Yes. There’s no debt threshold. Your financial hardship—not the dollar amount—matters.

Q: What if my debts exceed Chapter 13 limits?
You would likely need to pursue Chapter 7, if eligible.

Q: What types of debt don’t count toward these limits?
Priority debts like tax liens, child support, or court fines typically aren’t included. It’s best to confirm with an attorney.

Why You Should Talk to an Attorney

A bankruptcy lawyer can help you:

• Evaluate whether Chapter 7 or 13 best fits your circumstances

• Apply relevant exemptions to protect assets like your home or car

• Navigate the means test and debt limits accurately

• Identify how to best approach non-dischargeable debts like tax obligations or support payments

Conclusion & Call to Action

In Ohio, there's no minimum debt requirement to file for bankruptcy—but if you’re looking at Chapter 13, be mindful of its upper debt limits. The key is your ability to repay, and whether bankruptcy is the most strategic path forward.

Not sure which chapter fits you best? Contact Christopher Gallutia, Attorney at Law for expert advice and a free consultation. With over 36 years of experience in Ohio bankruptcy law, he can guide you to the right solution.

📞 Call (614) 575-1145 or Schedule a Consultation today.