Ohio chapter 7 holds the same federal guidelines for bankruptcy as other states. Not everyone qualifies for chapter 7. A debtor must meet income deadlines in order to qualify by means of the "means test". Since there are debts that are not eradicated by filing chapter 7, one must not get the mistaken idea that the slate is wiped completely clean. Alimony, Child Support and Student Loans are not erased by filing chapter 7. Ohio chapter 7 also has some complicated tax rules concerning bankruptcy. It is best to be current on your tax return filings before filing for bankruptcy. There are times, however, that filing chapter 7 is the best option. If minimum payments are going unmet and there is a lot of creditor harassment present, it may be time to consult a bankruptcy lawyer. Once a debtor has filed bankruptcy, the creditors must stop contacting them. This is called an "automatic stay". Although most Ohio chapter 7 cases are No Asset Cases where there is nothing to be sold, occasionally there are items that need sold. If this is the case, the court will appoint a trustee to handle liquidating the assets and the money is used toward paying the creditors.