45424 Ohio Free Bankruptcy Forms for Dayton, OH 45424 - Ohio Southern District Bankruptcy Court


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OH Bankruptcy InformationBankruptcy Forms for the
Ohio Southern District Bankruptcy Court

This page begins with a discussion of forms required, generally, for any bankruptcy.
For forms specific to the the Ohio Southern District Bankruptcy Court, click here.

 

Required forms & fees

Each court has its own local rules, but the basic bankruptcy consists of the forms you see listed in the table below, plus any additional forms your local court may require.


Timeliness note: Always check that the date on the form you're using is the date of the form your court currently requires -- or will require in the future, on the date you're planning to file. Each form has a a month and year in the upper right corner.

Sometimes forms are updated and change several times during a year, and other times there may be no changes for a year or more. We make every effort to keep the links on this page up to date, but it's essential that you confirm with your local court that you are using what they consider to be the current version of all forms.


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Basic Forms You Will Need in Any Court

The Ohio Southern District Bankruptcy Court has additional local forms and requirements, too. See below.

The information below is based on an uncommonly clear and helpful chart from the Federal Bankruptcy Court of the Western District of Wisconsin. These are the basic requirements for any Chapter 7 bankruptcy.

In both chapter 7 and chapter 13, the following are required to start the bankruptcy (minimum filing requirements):
  1. Voluntary petition (revised 4/10) Must be signed by the debtor(s). Pro se debtors must include a day time phone number with area code.
    Form B1 - Exhibit D to Voluntary Petition - Individual Debtor's Statement of Compliance with Credit Counseling Requirement (new 10/06)

  2. Filing fee, or an application to pay filing fees in installments, or a fee waiver (in forma pauperis). Make all fees payable to: U.S. Bankruptcy Court. Chapter 13's must be paid in full or through the Plan.
    A fee waiver may ONLY be used for a chapter 7 filing. Qualifiying for a fee waiver. Poverty Guidelines.

  3. Creditor Matrix A diskette or CD containing the names and addresses of all creditors is preferred, however, you may submit it in paper form.

  4. Statement of Social Security Number(s) signed by debtor(s). Non-debtor spouse information must be added to this document. Policy on Privacy

  5. Certificate of credit counseling and debt repayment plan if any. Visit the U.S. Trustee's site to find information on credit counseling and debtor education.

  6. Form 19 - Declaration & Signature of Non-Attorney Bankruptcy Petition Preparer (if applicable)

  7. Form B280 - Statement disclosing compensation paid or to be paid to a bankruptcy petition preparer (if applicable)

Where do I file my case?

Privacy Warning

The following schedules and statements must be filed with the voluntary petition, or no later than 14 calendar days after filing the voluntary petition:

More information on the requirements of the Office of the U.S. Trustee

341 notice and deadlines - Notice of bankruptcy case filing, meeting of creditors, & deadlines will be sent to the debtor and all creditors listed on the matrix within 7 to 10 business days. The debtor (both spouses in a joint case) must be present at the meeting to be questioned under oath by the trustee and by the creditors. Pro se debtors should also be familiar with Bankruptcy Code � 521, Rule 4002 of the Federal Rules of Bankruptcy Procedure.

  • Due 7 days before the date set for the Section 341 meeting of creditors: Provide the trustee with a copy of the Federal income tax return (or transcript of return) for the most recent tax year ending before filing. Tax return privacy information
The following statement must be filed with the voluntary petition, or no later than 30 calendar days after filing the voluntary petition:
Due before the discharge is granted:
Other Forms:
Miscellaneous:

Chapter 13 filings require slightly different forms.

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st Local Forms Required by the Ohio Southern District Bankruptcy Court

Every local bankruptcy court has one or more additional special forms that you must file when you file the standard set of bankruptcy forms. All courts have special local requirements for the "mailing matrix" of the names and addresses of your creditors. Every court publishes very specific rules about how this list must be formatted so that the court can scan it into its computer system. Check your court's website (Ohio Southern District Bankruptcy Court) to find out its mailing matrix requirements, as well as other required forms. Such requirements are typically found in a list of local rules.

If you're lucky, your court may publish a special procedural guide specifically for debtors who are filing without a lawyer. Until recently, most courts, however, did not offer this kind of information on their web sites. That has changed a lot in the past few years and several courts offer very good information.

Local forms for the Ohio Southern District Bankruptcy Court and local rules can be obtained by clicking here

Local forms you're likely to need

Each district court has its own preferred format for the mailing matrix -- a list of of creditors that you must supply when you file, formatted in a certain way so that the court can scan it.

Matrix requirements can be found in the local rules or sometimes a separate instruction sheet available on the website.

Your court may also have a local requirements regarding any reaffirmation agreement you make with a creditor. Courts review such agreements closely to make sure the creditor is not ripping you off and that one creditor is not benefiting at the expense of others.

Other Useful Forms

Request for Transcript of Tax Return (IRS 4506-T)

Glossary of Bankruptcy Terminology

The U.S. Federal Bankruptcy Courts website offers a fairly decent, plain-English glossary of bankruptcy terminology, which can be helpful when reading local rules and forms.

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Getting help with forms and filing

Instructions are harder to come by than they used to be. The official U.S. Court website offers no instructions with these forms, other except a link to the congressional committee reports that were written at the time the forms were created. These are not step-by-step instructions, but rather a broad description of the purpose of each form.

Books that provide instructions for filling in official forms

The legal publisher Nolo publishes a comprehensive bankruptcy form instruction book (which I co-author). This book takes you through each form, line by line, explains what the terminology means, and provides examples. It also alerts you to situations that may require more help.

Bankruptcy Software

There are several software products designed for lawyers that will prepare full sets of bankruptcy forms, but these programs assume you already know bankruptcy law and are designed for filing multiple bankruptcies. In short, they're not appropriate for first-time bankruptcy filers.

There are also a few packages purportedly offered for consumers. Proceed with caution. Some of these packages are little more than PDF versions of the forms, which are are available free from the courts themselves.

If you are not a lawyer, the only value of these products would depend on the quality of the instructions they provide. You'll need instructions on how to complete each form, as well as a good understanding of how each form fits into the larger process of filing for bankruptcy.

Bankruptcy Lawyers

See Bankruptcy Lawyers

Bankruptcy Petition Preparers (BPP)

Bankruptcy Petition Preparers (BPPs) are nonlawyers who offer help in filling in the forms. The latest revision of the bankruptcy laws formally recognized these services as legitimate, but also imposed severe restrictions on what they can charge and scope of the services they can perform.

What BPPs Can't Do

Lawyers have jealously guarded their turf when it comes to bankruptcy. Lawyers already lost this battle in the area of tax preparation. Today, non-lawyer tax preparers openly advertise the good advice they can give you in addition to completing your forms. BPPs can do no such thing when it comes to bankruptcy forms.

Under the new bankruptcy law, BPPs must give debtors a form that lists all the things BPPs can't do (form 19B), and all the topics they can't discuss -- basically anything that might be characterized as legal advice. Thus, the sort of tips that tax preparers commonly give to people when preparing their taxes, BPPs can't give when bankruptcy forms. (Some believe this raises profound First Amendment and restraint of trade issues.)

How to File For Chapter 7 Bankruptcy (HFB book) will not give you specific advice, either, but it does discuss important facts to consider in making the kinds of decisions listed the following table:

What BPPs can't do (language of Form B 19) Plain English Where topic is covered in HFB Book.
I am forbidden
to offer you
any legal advice, including advice about any of the following:
   
• whether to file a petition under the Bankruptcy Code (11 U.S.C. § 101 et seq.); Whether you should file for bankruptcy Ch. 1 (free sample chapter)
• whether commencing a case under chapter 7, 11, 12, or 13 is appropriate; What kind of bankruptcy you should file for Ch. 1 (free sample chapter)
• whether your debts will be eliminated or discharged in a case under the Bankruptcy Code; Which debts are non-dischargeable, secured, etc. Ch's. 9, 5
• whether you will be able to retain your home, car, or other property after commencing a case
under the Bankruptcy Code;
Whether you'll lose your house, car, or other property Chs. 3, 4, 5
• concerning the tax consequences of a case brought under the Bankruptcy Code; Tax consequences Not covered
• concerning the dischargeability of tax claims; Whether or not your tax debts will be wiped out Ch. 9
• whether you may or should promise to repay debts to a creditor or enter into a reaffirmation
agreement with a creditor to reaffirm a debt;
Which secured loans are worth hanging onto, versus other options (e.g. surrendering property) Ch. 5
• concerning how to characterize the nature of your interests in property or your debts; or Whether property is exempt
or
into which exemption category a particular item fits
Ch. 3, 4
• concerning bankruptcy procedures and rights.
What happens in bankruptcy; what are your rights Whole book

Free PDF Downloadable Bankruptcy Forms

Official PDF Downloads

The links below connect you to forms provided by the US Court system. All bankruptcy forms available for free as Adobe Acrobat (PDF) forms.

Finding Instructions for the Forms

Official instructions for most of the revised Official Bankruptcy Forms are not available because they are "under revision." It has been many months since these new forms were first published and there's no word on when the instructions will be available. Links to the revised instructions will be posted here as they are available. The only instructional text posted are the committee notes from the congressional committees that wrote the law creating these forms.
 

The basic forms that get things underway.

B 1

Voluntary Petition (04/13)
Exhibit "A" (9/97) | Exhibit "C" (9/01) | Exhibit "D" (12/09) | Instructions | Committee Notes
B 2

Declaration under Penalty of Perjury on Behalf of a Corporation or Partnership
Instructions | Committee Notes

B 3A

Application for Individuals to Pay the Filing Fee in Installments (12/13)
Instructions | Committee Notes

B 3B

Application to Have the Chapter 7 Filing Fee Waived (12/13)
Instructions | Committee Notes

B 4

List of Creditors Holding 20 Largest Unsecured Claims (12/07)
Instructions | Committee Notes

B 5

Involuntary Petition (12/07)
Instructions | Committee Notes

The Schedules:

Where you list
- all your stuff,
- all you owe, and
- whom you owe it to
- how you'd like to handle your secured debts (auto, home, etc.)

B6

Cover Sheet for Schedules (12/07)

B6

Summary (Summary of Schedules) (12/13)

B 6A

Schedule A - Real Property (12/07)
Instructions | Committee Notes (6A-J)

B 6B

Schedule B - Personal Property (12/07)
Instructions

Exemptions

B 6C

Schedule C - Property Claimed as Exempt (4/13)
Instructions

Secured Debts

B 6D

Schedule D - Creditors Holding Secured Claims (12/07)
Instructions

Unsecured Debts

B 6E

Schedule E - Creditors Holding Unsecured Priority Claims (4/13)
Instructions

B 6F

Schedule F - Creditors Holding Unsecured Nonpriority Claims (12/07)
Instructions

Contracts & Leases

B 6G

Schedule G - Executory Contracts and Unexpired Leases (12/07)
Instructions

Codebtors

B 6H

Schedule H - Codebtors (12/07)
Instructions

Your Income & Expenses

B 6I

Schedule I: Your Income (12/13)
Instructions

B 6J

Schedule J: Your Expenses (12/13)
Instructions

B 6

Declaration Concerning Debtor's Schedules (12/07)
Instructions

Your Debts

B 7

Statement of Financial Affairs (04/13)
Instructions
| Committee Notes

How to handle your secured debts

B 8

Chapter 7 Individual Debtor's Statement of Intention (12/08)
Instructions | Committee Notes

B 9A Chapter 7 Individual or Joint Debtor No Asset Case (12/12)
Form | Committee Notes (B9A -- 9I)
B 9B Chapter 7 Corporation/Partnership No Asset Case (12/12)  
Form
B 9C Chapter 7 Individual or Joint Debtor Asset Case (12/12)
Form
B 9D Chapter 7 Corporation/Partnership Asset Case (12/12)  
Form
B 9E Chapter 11 Individual or Joint Debtor Case (12/12)  
Form
B 9E(Alt.) Chapter 11 Individual or Joint Debtor Case (12/12)
Form
B 9F Chapter 11 Corporation/Partnership Case (12/12)
Form
B 9F(Alt.) Chapter 11 Corporation/Partnership Case (12/12)
Form
B 9G Chapter 12 Individual or Joint Debtor Family Farmer (12/12)
Form
B 9H Chapter 12 Corporation/Partnership Family Farmer (12/12)
Form
B 9I Chapter 13 Case (12/12)
Form

Proof of Claim

B 10 Proof Of Claim (04/13)
Instructions | Committee Notes
B 10 A Attachment A (12/11)
Form | Committee Note
B 10 Supp 1 Supplement 1 (12/11)
Form | Committee Note
B 10 Supp 2 Supplement 2 (12/11)
Form | Committee Note
B 11A

General Power of Attorney (06/90)
Instructions
| Committee Notes

B 11B

Special Power of Attorney (06/90)
Instructions | Committee Notes

B 12

Order and Notice for Hearing on Disclosure Statement (12/03)
Instructions | Committee Notes

B 13

Order Approving Disclosure Statement and Fixing Time for Filing Acceptances or Rejections of Plan, Combined with Notice Thereof (12/03)
Instructions
| Committee Notes

B 14

Ballot for Accepting or Rejecting Plan (12/03)
Instructions | Committee Notes

B 15

Order Confirming Plan (12/01)
Instructions | Committee Notes

B 16A

Caption (12/07)
Instructions | Committee Notes

B 16B

Caption (Short Title) (12/94)
Instructions
| Committee Notes

B 16C

[Abrogated] (12/03)
Committee Notes

B 16D

Caption for Use in Adversary Proceeding other than for a Complaint Filed by a Debtor (12/04)
Instructions | Committee Notes

B 17

Notice of Appeal under 28 U.S.C. §158(a) or (b) from a Judgment, Order or Decree of a Bankruptcy Court (12/04)
Instructions | Committee Notes

B 18

Discharge of Debtor (12/07)
Instructions | Committee Notes

B 19

Declaration and Signature of Non-Attorney Bankruptcy Petition Preparer (12/07)
Instructions | Committee Notes

B 20A

Notice of Motion or Objection (12/10)
Instructions | Committee Notes (20A-B)

B 20B

Notice of Objection to Claim (12/03)
Instructions

B 21

Statement of Social Security Number (12/12)
Instructions | Committee Notes

Means Test Forms

Chapter 7 Means Test

B 22A

Statement of Current Monthly Income and Means Test Calculation (Chapter 7)(4/13)
Instructions | Committee Notes (22A-C)

B 22B

Statement of Current Monthly Income (Chapter 11) (12/10)
Instructions

Chapter 13 Means Test

B 22C

Statement of Current Monthly Income and Calculation of Commitment Period and Disposable Income (Chapter 13) (04/13)
Instructions

Debtor Education Completion Form

B 23

Debtor's Certification of Completion of Instructional Course Concerning Financial Management (12/10)
Instructions | Committee Notes

B 24 Certification to Court of Appeals (12/07)
Instructions | Committee Notes

Reaffirmation Agreement & Cover sheet

B 27 Reaffirmation Agreement Cover Sheet (12/13)
Instructions | Committee Note
B 240A/B ALT Reaffirmation Agreement (12/11)
Form
 
B 132 Application for Search of Bankruptcy Records (11/11)
Form

List of Required Forms, etc.

B 200 Required Lists, Statements, Schedules, and Fees (12/13)
Instructions
B 201A Notice to Individual Consumer Debtor (11/12)
Form

Can't find what you're looking for? Additional forms can be found at the official forms page forms provided by the US Court system. All bankruptcy forms available for free as Adobe Acrobat (PDF) forms.

 

Source: USCourts.gov

Help Topics



CloseDoes the court supply instructions with the bankruptcy forms?

Generally, no. Most forms do not come with instructions, and that's a shame. Much of the lingo used on these forms is difficult for non-lawyers to decipher.

Before the enactment of the new law, instructions were provided with most forms. Since the new law was passed, court websites have removed the instructions they used to provide, saying they are "under revision". This is unfortunate as most of the forms have not changed significantly, and the old instructions re more helpful than no instructions at all.

For up to date instructions, you can buy Nolo's book, How to File for Chapter 7 Bankruptcy. You'll not only get instructions for all forms, but also step by step guidance throughout the entire bankruptcy process.

Close

CloseWhat is PDF?

PDF stands for "Portable Document Format" which is a format created by the Adobe company and supported by their free Acrobat Reader. (Other companies also produce software that can create and read PDF files.)

PDF is also the format that lawyers use electronic filing.

See also, Where can I download Acrobat Reader?

Close

CloseWhat are "fillable" PDF forms?

The standard forms provided by most US Bankruptcy Courts are not "fillable" PDFs forms. All you can do is print the blank forms and fill them in by hand with a pen or typewriter. (A what?).

However, in a less obvious place, the US Trustee's Office also publishes fillable PDF versions of the Bankruptcy Forms. These fillable forms allow you to type your answers into the forms. Unfortunately, if you are using the free Acrobat Reader, you cannot save the information you have typed into these fillable forms. (If you own the full version of Adobe Acrobat -- which costs several hundred dollars -- you can save the info you have typed, and return to the form later.)

Fortunately, there are several, free or low-cost software tools for saving fillable PDFs. Some of these low cost products are rather bare-bones, when it comes to interface, but they work. That is, they do provide the option of saving the information you have typed.

Close

CloseWhere can I find fillable bankruptcy PDF forms for free?

Fillable PDF forms allow you to type your answers into the forms.

The standard forms your court links to are not of the fillable variety. However , in a less obvious place, the US Trustee's Office also publishes fillable PDF versions of the Bankruptcy Forms. Unfortunately, if you are using the free Acrobat Reader, you cannot save the information you have typed into these fillable forms. (If you own the full version of Adobe Acrobat -- which costs several hundred dollars -- you can save the info you have typed, and return to the form later.)

However, in a less obvious place, the US Trustee's Office also publishes fillable PDF versions of the Bankruptcy Forms. These fillable forms allow you to type your answers into the forms.

Close

CloseWhere can I download Acrobat Reader?

Most courts inlcude a link for downloading the free Adobe Acrobat reader. You can download it here. (http://www.adobe.com/products/acrobat/readstep2.html)

If you are using fillable PDF forms, you may also want to get a free or low-cost tool for saving what you have typed into your form.

See, Free or low-cost tools for saving fillable PDFs.

Close

CloseWhere can I find free or low-cost tools for saving what I type in fillable PDFs?

All official bankruptcy forms are available PDF forms, and fillable versions of the forms are available.

Unfortunately, the free Adobe Reader does not allow you to save the information you type in to fillable PDF forms. The full commercial version of Adobe Acrobat allows its users to save a PDF and the form field answers will remain entered within the form's fields. Users of the full version of Acrobat can save a form and its answers, close the form, and then return later to complete unanswered or incorrectly answered fields.

Adobe Acrobat ($299) (full program) which can be found at: www.adobe.com/acrofamily/main.htm

The following products let you actually save the data in your PDF file as fields.

PDFill, ($19.95) which can be found at: http://PDFill.com

CutePDF Filler, ($29.95) which can be found at: http://www.acrosoftware.com/Products/CutePDF/Filler.asp

FyTek PDF File Save, (free, recommended) which can be found at: http://www.fytek.com/products.php?pg=pdffilesave
This product allows Acrobat Reader users to save the content of completed forms using a work-around. Read the documentation that comes with this product to learn how to use it.

Other, products let you "print" to a PDF file but do not act as form-fillers:

pdfFactory, ($49.95) which can be found at: http://www.fineprint.com/products/pdffactory/index.html

pdf995, ($19.95) which can be found at: http://www.pdf995.com/

For Mac Users

A helpful LegalConsumer user sent along the following message about form-handling tools available for Mac users. We have not tested all of these options, but have no reason to assume they are inaccurate. As always, feel free email if you spot something that is incorrect.

---------------------------

I couldn't help but notice that the tools listed don't include any options for those of us who are using Macs instead of PC's. Since I recently had to find out this information for myself, I wanted to send a summary in the hopes that you will find it useful and can add this information to your website.

Adobe's products are available for OS X as well as Windows. I believe that the prices are probably similar -- this is the one option I didn't really look into.

Apple's OS X has some good built-in functionality for dealing with pdf files, including the ability to save any printable output to a file in pdf format using an option available from a button on the lower left of the print dialog box. The print dialog box is used whenever the print command is used, from any application on the system, so a filled-in form can be intercepted via the print dialog box and saved to a pdf format file, instead.

There is also software for viewing pdf files, called "Preview". It will allow you to view files, fill in forms if they are set up as fillable versions, but sometimes there are incompatibilities -- for example, some of the currently available fill-in forms have 3 buttons at the bottom for "print" "save" and "clear", which appear to be able to be activated when clicked on, but they don't actually do what the label indicates they are going to do. I assume that when used on a PC, they work, but it could be that these are still works in progress. Preview will allow you to annotate a non-fillable pdf form with text that is overlaid, but it is not particularly easy to use this feature, and there are some good shareware programs available that make this process a whole lot easier to do.

Here is a list of the shareware applications that I looked at and my impressions of them:

PDF Pen and PDF Pen Pro by Smile On My Mac

www.smileonmymac.com

PDF Pen is $49.95 and can be used to fill in pdf forms, save them, print them etc.

PDF Pen Pro is $94.95, and can be used for all the above, plus you can create pdf files, including fill-in forms, that can be used on any platform.

The Pro version probably is unnecessary for most of your readers but it does contain some nice features and it is less costly than Acrobat. Both of these products appear to be very polished, professional and full featured applications. The main reason I personally chose a different product in the end was because I did not feel I could afford even as little as $30 extra for software, even though it was clear that I was going to have to find something to make the process of dealing with the forms a little easier, especially since, when I first started looking into this, the fill-in forms had not yet been made available.

FormMate by White Wolf Software (www.whitewolf.com) is a reasonable option if all you're going to do is fill in the forms, print them and sign them. It costs $20, and is easier to use than the other similar products I looked at. Plus, it will let you save frequently used items -- such as your name, for example -- which has turned out to be useful. In addition to my name, I have saved a text item that inserts an "X", another with "N/A", and so forth. My only complaint is that I don't think that the font size of the text that is inserted can be changed, but the size that is used is reasonable for filling in the documents.

These shareware applications can be downloaded from the author's websites as listed, and activated from the menu within the application. In all cases, a free trial is an option, but the demo product is limited in that it prints a watermark onto any document until a registration key is purchased and entered, so it can't be used except as a demo until it is unlocked with the reg. key.

There are a couple of other shareware packages available also, but they did not end up being particularly memorable, in my opinion, and so I have not included them here.

I hope this info will be useful to you and that you will add it for the many folks who use Macs. I appreciate the effort that has obviously gone into setting up this website. It's a good resource & I'm pleased to see things like this becoming available. There should be more people like you, committed to helping empower people with enough legal knowledge to act on their own behalf.

- CL,
LegalConsumer user

------------------

Thanks for the info for Mac users, and the kind words, CL,
editor,
LegalConsumer.com

Close

CloseHow can I get copies of my filed tax returns?

From the IRS website:

If you need an exact copy of a previously filed and processed return and all attachments (including Form W-2 (PDF)), you must complete Form 4506 (PDF), Request for Copy of Tax Return and mail it to the IRS address in the instructions along with a $39 fee for each tax year requested. Copies are generally available for returns filed in the current and past 6 years.

In cases where an exact copy of the return is not needed, tax return and transcripts may be ordered. The tax return transcript shows most line items contained on the return as it was originally filed, including any accompanying forms and schedules. In most cases, a tax return transcript will meet the requirements for lending institutions for mortgage verification purposes.

The transcript can be ordered by completing a Form 4506-T (PDF) or calling (800) 829-1040 and following the prompts in the recorded message. There is no charge for the transcript and you should receive it in 10 business days from the time the IRS receives your request. Tax return transcripts are generally available for the current and past three years. If you need a statement of your tax account which shows changes that you or the IRS made after the original return was filed, you must request a "Tax Account Transcript". This transcript shows basic data including marital status, type of return filed, adjusted gross income, taxable income, payments and adjustments made on your account. Tax return and account transcripts are generally available for the current and past 3 years.

Form 4506-T (PDF) can also be used to get proof from the IRS that you did not file a tax return for a particular tax year.

Forms can be downloaded at Forms & Pubs or ordered by calling (800) 829-3676.

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Welcome, Ohio users of Nolo's
How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local Ohio information and services to help you file for bankruptcy.

If you don't own the book, you can still use this site and the free Darke County means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com and the Means Test Calculator, is also a coauthor of Nolo's How to File for Chapter 7 Bankruptcy.

How to File for Chapter 7 Bankruptcy provides clear, user-friendly information and all the forms you need to get through the entire bankruptcy process. The book and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of Ohio exemption laws, which determine what property you'd get to keep in bankruptcy.

The book covers the entire process, and gives you the line-by-line instructions you need to fill out the required Chapter 7 bankruptcy forms. Meanwhile, this website gives you access to the latest local court information and county standards for the means test calculations that you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's the best way to deal with your debts. It's important to learn what bankruptcy cannot do. You don't want to go to all the trouble of filing bankruptcy only to find out that the it won't help solve your particular problem or kind of debt. The book clearly explains what doesn't bankruptc yan and cannot do.

If you do decide Chapter 7 bankruptcy is the right option, you'll learn how you can use it to:

  • cancel as much debt as possible
  • stop wage garnishments and attachments
  • keep the maximum amount of property using Ohio exemption laws
  • deal with secured debts and liens on your property
  • keep your home and car, if possible.

If you think you want to file for bankruptcy but aren't sure you can afford to hire an attorney, How to File for Chapter 7 Bankruptcy will help you learn what it takes to complete your bankruptcy petition on your own and complete the bankruptcy process.

You'll also learn how to rebuild your credit rating after bankruptcy.

Note: How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's  Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.

"Clear instructions on when and how to fill out the necessary forms."
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"Exceptionally clear…"
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Inclluded Forms:

  • Current Monthly Income Worksheet
  • Personal Property Checklist
  • Property Exemption Worksheet
  • Homeowners’ Worksheet
  • Bankruptcy Forms Checklist
  • Bankruptcy Documents Checklist
  • Median Family Income Chart
  • Judicial Lien Worksheet
  • Amendment Cover Sheet
  • Notice of Change of Address
  • Supplemental Schedule for Property Acquired After Bankruptcy Discharge
  • Proof of Service by Mail
  • Pleading Paper 

How to File for Chapter 7 Bankruptcy

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Chapter 13 Bankruptcy:
Keep Your Property & Repay Your Debts Over Time
(11th edition, 2012)

Chapter 13 Bakruptcy Book
Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? Consider Chapter 13 bankruptcy, which can give you an affordable repayment plan -- and let you keep your house, car and other property. Use this plain-English guide to decide whether or not it's right for you.

Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law. First, you can:

  • consider nonbankruptcy alternatives for solving your debt problems
  • decide which is better for you -- Chapter 7 or Chapter 13
  • determine whether you qualify for Chapter 13 bankruptcy

Then, delve deeper into Chapter 13 and find out:

  • how filing bankruptcy stops creditors instantly (the "automatic stay")
  • how Chapter 13 can help you avoid foreclosure
  • whether you can reduce your car loan balance, or the balance on other secured debts
  • whether you can get rid of second mortgages or home equity debt

If you think Chapter 13 bankruptcy could work for you, you'll be ready to:

  • determine (with the book's forms and step-by-step instructions) whether you have enough income to come up with a repayment plan that the court will approve
  • calculate the amount of your monthly plan payment
  • find and work effectively with an excellent lawyer, and
  • rebuild your credit after bankruptcy.

This newest edition includes information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the latest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

In Paperback and eBook (Adobe Reader)
Pub. Date: May 2012
Edition: 11th
Pages: 496 pp
ISBN: 9781413310696
Forms: 29 forms

List Price: 39.99
Buy now:
Nolo (publisher)

 


Chapter 13 Bankruptcy: Repay Your Debts

Press Reviews

"In Nolo’s usual thorough fashion, here is a guide to an alternative to the typical Chapter 7 Bankruptcy."
Orange County Register
"An excellent book that can guide you through the [Chapter 13] process."
Forbes Magazine
"Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion."
The Midwest Book Review
"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
Attorney Gary Klein,
co-author of Consumer Bankruptcy Law and Practice
"An excellent resource..."
Consumers Digest
"Contains many tear-out forms, federal and state exemptions charts, and the most recent legal documents and instructions on how to fill them out. "
Reference & Research Book News

Buy now: Nolo (publisher)

 

The New Bankruptcy

The New Bankruptcy

Considering bankruptcy? Get the facts and find out how bankruptcy could work for you.

Bankruptcy laws have changed, and figuring out how to use them effectively is harder than ever. For plain-English guidance you can trust, turn to The New Bankruptcy. Get the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy is the right solution for your debt problems. Find out:

  • if you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • if you can keep cars and other property
  • how bankruptcy affects credit
  • alternative ways to handle debt problems

The 4th edition includes updated state and federal exemption tables, plus information on recent Supreme Court cases used to interpret 2005 bankruptcy changes. You'll also get worksheets to help you determine whether you can file for bankruptcy, including fully up-to-date exemption charts, helpful checklists, and easy-to-use legal charts for all 50 states.

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
-Eric Tyson, Author of Personal Finance For Dummies

"…it's important to know whether [bankruptcy] remains a viable option, and this book will offer both explanations and reassurances…"
-Accounting Today


In Paperback and eBook (Adobe Reader)
Pub. Date: May 2011
Edition: 4th
Pages: 419 pp
ISBN: 9781413313918

Press Reviews

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
Eric Tyson, best-selling author of
Personal Finance for Dummies
and Mind Over Money
"With last year's change in the bankruptcy laws creating unprecedented confusion in the field, it's important to know whether it remains a viable option, and this book will offer both explanations and reassurances..."
Accounting Today

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  1. Aberdeen - 1,638
  2. Ada - 5,952
  3. Adamsville - 114
  4. Addyston - 938
  5. Adelphi - 380
  6. Adena - 759
  7. Akron - 199,110
  8. Albany - 828
  9. Alexandria - 517
  10. Alger - 860
  11. ALLEDONIA - 212
  12. Alliance - 22,322
  1. ALPHA - 137
  2. ALVADA - 1,013
  3. Alvordton - 217
  4. Amanda - 2,071
  5. Amelia - 4,801
  6. Amesville - 154
  7. Amherst - 12,021
  8. AMLIN - 1,304
  9. Amsterdam - 511
  10. Anderson - 43,446
  11. Andover - 2,753
  1. Anna - 1,567
  2. Ansonia - 1,174
  3. Antioch - 86
  4. Antwerp - 1,736
  5. Apple Creek - 1,173
  6. Arcadia - 590
  7. Arcanum - 2,129
  8. Archbold - 4,346
  9. Arlington - 1,455
  10. Arlington Heights - 745
  11. Ashland - 20,362
  1. Ashley - 1,330
  2. Ashtabula - 20,941
  3. Ashville - 4,097
  4. Athens - 30,473
  5. Attica - 899
  6. Atwater - 758
  7. Aurora - 15,548
  8. AUSTINBURG - 2,197
  9. Austintown - 36,722
  10. Avon - 21,193
  11. Avon Lake - 22,581
  1. Bailey Lakes - 371
  2. Bainbridge - 11,395
  3. Bainbridge - 11,395
  4. Bairdstown - 130
  5. Baltic - 795
  6. Baltimore - 2,966
  7. BANNOCK - 211
  8. Barberton - 26,550
  9. Barlow - 2,618
  10. Barnesville - 4,193
  11. BARTLETT - 130
  12. BARTON - 234
  13. BASCOM - 390
  14. Batavia - 23,280
  15. Bay View - 632
  16. Bay Village - 15,651
  17. Bazetta - 5,874
  18. Beach City - 1,033
  19. Beachwood - 11,953
  20. Beallsville - 409
  21. Beaver - 6,711
  22. Beavercreek - 52,156
  23. Beaverdam - 382
  24. Bedford - 13,074
  25. Bedford Heights - 10,751
  26. Bellaire - 4,278
  27. Bellbrook - 6,943
  28. Belle Center - 813
  29. Belle Valley - 223
  1. Bellefontaine - 13,370
  2. Bellevue - 8,202
  3. Bellville - 1,918
  4. Belmont - 453
  5. Belmore - 143
  6. Beloit - 978
  7. Belpre - 6,441
  8. Bentleyville - 864
  9. Benton - 803
  10. Benton Ridge - 299
  11. Berea - 19,093
  12. Bergholz - 664
  13. Berkey - 237
  14. BERLIN - 6,498
  15. BERLIN CENTER - 3,175
  16. Berlin Heights - 714
  17. Bethel - 18,523
  18. Bethesda - 1,256
  19. Bethlehem - 1,123
  20. Bettsville - 661
  21. BEULAH BEACH - 53
  22. Beverly - 1,313
  23. Bexley - 13,057
  24. BIDWELL - 4,427
  25. BIG PRAIRIE - 2,028
  26. BIRMINGHAM - 105
  27. BLACKLICK - 8,664
  28. BLADENSBURG - 191
  29. BLAINE - 87
  1. Blakeslee - 96
  2. Blanchester - 4,243
  3. Bloomdale - 678
  4. Bloomingburg - 938
  5. Bloomingdale - 202
  6. Bloomville - 956
  7. Blue Ash - 12,114
  8. Blue Creek - 781
  9. Blue Rock - 677
  10. Bluffton - 4,125
  11. Boardman - 40,889
  12. Bolivar - 994
  13. Botkins - 1,155
  14. Bowerston - 398
  15. Bowersville - 312
  16. Bowling Green - 30,028
  17. Braceville - 2,856
  18. Bradford - 1,842
  19. Bradner - 985
  20. Brady Lake - 464
  21. Bratenahl - 1,197
  22. Brecksville - 13,656
  23. Bremen - 1,425
  24. Brewster - 2,112
  25. Brice - 114
  26. Bridgeport - 1,831
  27. BRIDGETOWN - 14,407
  28. BRILLIANT - 1,482
  1. BRINKHAVEN - 597
  2. BRISTOLVILLE - 3,325
  3. Broadview Heights - 19,400
  4. Bronson - 1,973
  5. Brook Park - 19,212
  6. Brookfield - 99
  7. Brooklyn - 11,169
  8. Brooklyn Heights - 1,543
  9. Brookville - 5,884
  10. Brownhelm - 7,618
  11. BROWNSVILLE - 220
  12. Brunswick - 34,255
  13. Bryan - 8,545
  14. Buchtel - 558
  15. Buckeye Lake - 2,746
  16. Buckland - 233
  17. Bucks - 1,776
  18. Bucyrus - 12,362
  19. BUFFALO - 815
  20. Burbank - 207
  21. BURGHILL - 1,703
  22. Burgoon - 172
  23. Burkettsville - 244
  24. Burton - 4,412
  25. Butler - 3,614
  26. Butlerville - 163
  27. Byesville - 2,438
  28. Byrd - 739
  1. CABLE - 1,775
  2. Cadiz - 3,689
  3. Cairo - 524
  4. Calcutta - 3,742
  5. Caldwell - 1,748
  6. Caledonia - 577
  7. Cambridge - 14,570
  8. Camden - 2,046
  9. CAMERON - 74
  10. CAMP DENNISON - 375
  11. Campbell - 8,235
  12. Canal Fulton - 5,479
  13. Canal Winchester - 7,101
  14. Canfield - 16,164
  15. Canton - 73,007
  16. CARBON HILL - 233
  17. Cardington - 3,095
  18. Carey - 3,674
  19. Carlisle - 7,500
  20. Carroll - 2,135
  21. Carrollton - 3,241
  22. Carthage - 1,532
  23. CARTHAGENA - 19,438
  24. Casstown - 267
  25. Castalia - 852
  26. Castine - 130
  27. Catawba - 272
  28. Catawba Island - 3,599
  29. Cecil - 188
  30. Cedarville - 5,500
  1. CELERYVILLE - 210
  2. Celina - 10,400
  3. Centerburg - 1,773
  4. Centerville - 103
  5. Centerville - 103
  6. Chagrin Falls - 4,233
  7. Champion - 9,612
  8. CHANDLERSVILLE - 1,300
  9. Chardon - 5,148
  10. Charlestown - 1,799
  11. Chatfield - 724
  12. Chatham - 2,265
  13. Chauncey - 1,049
  14. Cherry Fork - 155
  15. Cherry Grove - 4,378
  16. Cherry Valley - 955
  17. Chesapeake - 745
  18. Cheshire - 1,002
  19. Chesterhill - 289
  20. Chesterland - 2,521
  21. Chesterville - 228
  22. Cheviot - 8,375
  23. Chickasaw - 290
  24. Chillicothe - 21,901
  25. Chilo - 63
  26. Chippewa Lake - 711
  27. Christiansburg - 526
  28. Cincinnati - 296,943
  29. Circleville - 13,314
  30. Clarington - 384
  1. Clarksburg - 455
  2. Clarksfield - 1,625
  3. Clarksville - 548
  4. Clay Center - 276
  5. Clayton - 13,209
  6. Clear Creek - 2,276
  7. Cleveland - 396,815
  8. Cleveland Heights - 46,121
  9. Cleves - 3,234
  10. Clifton - 152
  11. Clinton - 4,109
  12. Cloverdale - 168
  13. Clyde - 6,325
  14. Coal Grove - 2,165
  15. COAL RUN - 2,501
  16. Coalton - 479
  17. Coitsville - 1,392
  18. Coldwater - 4,427
  19. Colerain - 4,276
  20. Colerain township - 58,499
  21. College Corner - 407
  22. COLLINS - 631
  23. Columbia - 4,532
  24. COLUMBIA STATION - 10,199
  25. Columbiana - 6,384
  26. Columbus - 787,033
  27. Columbus Grove - 2,137
  28. Commercial Point - 1,582
  29. Conesville - 347
  30. Congress - 2,701
  1. Conneaut - 12,841
  2. CONOVER - 1,078
  3. Continental - 1,153
  4. Convoy - 1,085
  5. Coolville - 496
  6. Copley - 17,304
  7. Corning - 583
  8. Cortland - 7,104
  9. Corwin - 421
  10. Coshocton - 11,216
  11. Covedale - 6,447
  12. Covington - 2,584
  13. Craig Beach - 1,180
  14. Crestline - 4,630
  15. Creston - 2,171
  16. Cridersville - 1,852
  17. Crooksville - 2,534
  18. Crosby - 2,767
  19. CROTON - 979
  20. Crown City - 413
  21. CUBA - 29
  22. Cumberland - 367
  23. CURTICE - 1,526
  24. Custar - 179
  25. CUTLER - 1,547
  26. Cuyahoga Falls - 49,652
  27. Cuyahoga Heights - 638
  28. Cygnet - 597
  29. CYNTHIANA - 68
  1. Dalton - 1,830
  2. DAMASCUS - 1,801
  3. Danville - 1,044
  4. Darbydale - 793
  5. DARRTOWN - 516
  6. Day Heights - 2,620
  7. Dayton - 141,527
  8. De Graff - 1,285
  9. Decatur - 726
  10. Deer Park - 5,736
  1. Deerfield - 927
  2. Deersville - 79
  3. Defiance - 16,494
  4. Delaware - 34,753
  5. Delhi - 29,510
  6. Dellroy - 356
  7. Delphos - 7,101
  8. Delta - 3,103
  9. Dennison - 2,655
  10. Dent - 10,497
  1. Deshler - 1,799
  2. Dexter City - 129
  3. DIAMOND - 2,702
  4. Dillonvale - 3,474
  5. Dillonvale - 3,474
  6. DOLA - 140
  7. Donnelsville - 304
  8. Dorset - 846
  9. Dover - 12,826
  1. Doylestown - 3,051
  2. Dresden - 1,529
  3. Drexel - 2,076
  4. Dublin - 41,751
  5. DUNCAN FALLS - 880
  6. DUNDEE - 297
  7. Dunkirk - 875
  8. DUNLAP - 1,719
  9. Dupont - 318
  1. EAST SPRINGFIELD - 85
  2. Eastlake - 18,577
  3. Eaton - 8,407
  4. Edgerton - 2,012
  5. Edgewood - 4,432
  6. Edinburg - 2,586
  7. Edison - 437
  1. Edon - 834
  2. Eldorado - 509
  3. Elgin - 57
  4. Elida - 1,905
  5. ELIZABETHTOWN - 350
  6. Elmore - 1,410
  7. Elyria - 54,533
  1. Empire - 299
  2. Englewood - 13,465
  3. Enon - 2,415
  4. ETNA - 16,373
  5. Euclid - 48,920
  6. Evansport - 184
  7. Evendale - 2,767
  1. Fairborn - 32,352
  2. Fairfax - 1,699
  3. Fairfield - 42,510
  4. Fairlawn - 7,437
  5. FAIRPOINT - 44
  6. Fairport Harbor - 3,109
  7. Fairview - 83
  8. Fairview Park - 16,826
  9. FARMDALE - 1,768
  10. Farmersville - 1,009
  11. Fayette - 9,194
  1. Fayetteville - 330
  2. Felicity - 818
  3. Findlay - 41,202
  4. Finneytown - 12,741
  5. Fitchville - 1,056
  6. FLAT ROCK - 233
  7. FLEMING - 1,410
  8. Fletcher - 473
  9. Florida - 232
  10. Flushing - 2,021
  1. Forest - 1,461
  2. Forest Park - 18,720
  3. Fort Jennings - 485
  4. Fort Loramie - 1,478
  5. Fort Recovery - 1,430
  6. FORT SENECA - 254
  7. Fostoria - 13,441
  8. Fowler - 2,595
  9. Frankfort - 1,064
  10. Franklin - 11,771
  1. Franklin Furnace - 1,660
  2. Frazeysburg - 1,326
  3. Fredericksburg - 423
  4. Fredericktown - 2,493
  5. Freedom - 946
  6. Freeport - 745
  7. Fremont - 16,734
  8. FRESNO - 140
  9. Fulton - 3,182
  10. Fultonham - 176
  1. Gahanna - 33,248
  2. Galena - 653
  3. Galion - 10,512
  4. Gallipolis - 5,097
  5. Galloway - 27,698
  6. Gambier - 2,391
  7. Garfield Heights - 28,849
  8. Garrettsville - 2,325
  9. Gates Mills - 2,270
  10. Geneva - 11,098
  11. Geneva-on-the-Lake - 1,288
  12. Genoa - 23,093
  13. Georgetown - 4,331
  14. Germantown - 5,547
  15. Gettysburg - 513
  1. Gibsonburg - 2,581
  2. Gilboa - 184
  3. Girard - 9,958
  4. Glandorf - 1,001
  5. GLENCOE - 310
  6. Glendale - 2,155
  7. Glenford - 173
  8. Glenmont - 272
  9. Glenwillow - 923
  10. Glouster - 1,791
  11. Gnadenhutten - 1,288
  12. Golf Manor - 3,611
  13. GOMER - 208
  14. Gordon - 212
  1. Goshen - 529
  2. Grafton - 6,636
  3. Grand Rapids - 1,607
  4. Grand River - 399
  5. Grandview - 1,731
  6. Grandview Heights - 6,536
  7. Granville - 9,773
  8. Gratiot - 221
  9. Gratis - 4,408
  10. Graysville - 76
  11. GRAYTOWN - 1,357
  12. Green - 25,699
  13. Green Camp - 1,179
  14. Green Springs - 1,368
  1. Green township - 58,370
  2. Greene - 1,015
  3. Greenfield - 5,565
  4. Greentown - 3,804
  5. Greenville - 17,613
  6. Greenwich - 1,476
  7. GRELTON - 0
  8. Groesbeck - 6,788
  9. Grove City - 35,575
  10. Groveport - 5,363
  11. Grover Hill - 402
  12. Guilford - 3,203
  13. Gustavus - 829
  14. GUYSVILLE - 1,692
  1. Hamden - 879
  2. Hamersville - 546
  3. Hamilton - 62,477
  4. Hamilton township - 23,556
  5. Hamler - 576
  6. HAMMONDSVILLE - 743
  7. Hanging Rock - 221
  8. Hanoverton - 408
  9. Harbor View - 123
  10. Harpster - 204
  11. Harrisburg - 320
  12. Harrison - 9,897
  13. Harrisville - 1,836
  14. Harrod - 417
  15. Hartford - 1,431
  1. Hartland - 1,112
  2. Hartsgrove - 1,597
  3. Hartville - 2,944
  4. Harveysburg - 546
  5. Haskins - 1,188
  6. Haviland - 215
  7. Haydenville - 381
  8. Hayesville - 448
  9. Heath - 10,310
  10. Hebron - 2,336
  11. Helena - 224
  12. Hemlock - 155
  13. Henrietta - 1,861
  14. Hicksville - 4,979
  15. Higginsport - 251
  1. Highland - 2,372
  2. Highland Heights - 8,345
  3. Highland Hills - 1,130
  4. Hilliard - 28,435
  5. Hills and Dales - 221
  6. Hillsboro - 6,605
  7. Hinckley - 7,646
  8. Hiram - 1,406
  9. Holgate - 1,109
  10. Holiday City - 52
  11. Holland - 1,764
  12. Hollansburg - 227
  13. Holloway - 338
  14. Holmesville - 372
  15. HOMERVILLE - 1,873
  1. HOMEWORTH - 481
  2. HOOVEN - 534
  3. Hopedale - 950
  4. Hopewell - 1,381
  5. HOUSTON - 1,490
  6. HOWARD - 5,617
  7. Howland - 19,106
  8. Hoytville - 303
  9. Hubbard - 13,528
  10. Huber Heights - 38,101
  11. Hudson - 22,262
  12. Hunting Valley - 705
  13. Huntsburg - 3,637
  14. Huntsville - 431
  15. Huron - 10,697
  1. IDAHO - 7,120
  2. Independence - 7,133
  1. Irondale - 387
  2. Ironton - 11,129
  1. IRWIN - 621
  1. Ithaca - 136
  1. JACOBSBURG - 1,744
  2. Jamestown - 1,993
  3. Jasper - 745
  4. Jefferson - 3,120
  1. Jerusalem - 3,109
  2. Jewett - 692
  3. Johnstown - 4,632
  4. Junction City - 819
  1. Kalida - 1,542
  2. KANSAS - 179
  3. Kelleys Island - 312
  4. KENSINGTON - 1,728
  5. Kent - 28,904
  6. Kenton - 8,262
  1. Kenwood - 6,981
  2. Kettering - 56,163
  3. Kettlersville - 179
  4. KILBOURNE - 139
  5. Killbuck - 1,982
  6. Kimbolton - 144
  1. KINGS MILLS - 1,319
  2. Kingston - 2,156
  3. Kingsville - 1,766
  4. Kinsman - 1,876
  5. Kipton - 243
  6. Kirby - 118
  1. Kirkersville - 525
  2. Kirtland - 6,866
  3. Kirtland Hills - 646
  4. KITTS HILL - 2,911
  5. KUNKLE - 246
  1. La Rue - 747
  2. LACARNE - 74
  3. Lafayette - 4,081
  4. LAFFERTY - 304
  5. Lagrange - 6,164
  6. LAKE MILTON - 2,884
  7. Lakeline - 226
  8. Lakemore - 3,068
  9. LAKESIDE - 694
  10. LAKESIDE MARBLEHEAD - 4,319
  11. Lakeview - 1,072
  12. LAKEVILLE - 1,533
  13. Lakewood - 52,131
  14. Lancaster - 38,780
  15. LANGSVILLE - 918
  16. LANSING - 634
  17. LATHAM - 295
  18. Latty - 1,017
  1. Laura - 474
  2. Laurel - 1,166
  3. Laurelville - 527
  4. Lawrence - 2,579
  5. Leavittsburg - 1,973
  6. Lebanon - 20,033
  7. Leesburg - 1,414
  8. Leesville - 158
  9. Leetonia - 1,959
  10. Leipsic - 2,093
  11. Lenox - 1,450
  12. LEWIS CENTER - 11,261
  13. Lewisburg - 1,820
  14. LEWISTOWN - 222
  15. Lewisville - 176
  16. Lexington - 5,444
  17. Liberty Center - 1,180
  18. Liberty township - 37,259
  1. Lima - 38,771
  2. Limaville - 151
  3. Lincoln Heights - 3,286
  4. Lindsey - 446
  5. Linndale - 179
  6. Lisbon - 2,821
  7. Litchfield - 3,250
  8. Lithopolis - 1,106
  9. LITTLE HOCKING - 263
  10. Lockbourne - 237
  11. Lockland - 3,449
  12. Lodi - 2,746
  13. Logan - 7,152
  14. London - 9,904
  15. Londonderry - 727
  16. LONG BOTTOM - 1,593
  17. Lorain - 64,097
  1. Lordstown - 3,417
  2. Lore City - 325
  3. Loudonville - 2,641
  4. Louisville - 9,186
  5. Loveland - 12,081
  6. Lowell - 549
  7. Lowellville - 1,155
  8. Lower Salem - 86
  9. Lucas - 615
  10. Lucasville - 2,757
  11. Luckey - 1,012
  12. Ludlow Falls - 208
  13. Lykens - 660
  14. Lynchburg - 1,499
  15. Lyndhurst - 14,001
  16. LYNX - 474
  17. Lyons - 562
  1. Macedonia - 11,188
  2. MACK - 11,585
  3. Macksburg - 186
  4. Madeira - 8,726
  5. Madison - 8,448
  6. Magnetic Springs - 268
  7. Magnolia - 978
  8. Maineville - 975
  9. Malinta - 265
  10. Malta - 1,864
  11. Malvern - 1,189
  12. Manchester - 2,052
  13. Mansfield - 47,821
  14. Mantua - 1,043
  15. Maple Heights - 23,138
  16. MAPLEWOOD - 739
  17. Marble Cliff - 573
  18. Marblehead - 903
  19. Marengo - 342
  20. MARIA STEIN - 2,269
  21. Mariemont - 3,403
  22. Marietta - 14,085
  23. Marion - 36,837
  24. MARK CENTER - 451
  25. MARNE - 783
  26. Marshallville - 756
  27. MARTIN - 1,170
  28. Martins Ferry - 6,915
  29. Martinsburg - 237
  30. Martinsville - 463
  31. Marysville - 22,094
  1. Mason - 30,712
  2. Massie - 1,141
  3. Massillon - 32,149
  4. Masury - 2,064
  5. Matamoras - 896
  6. Maumee - 14,286
  7. Mayfield - 3,460
  8. Mayfield Heights - 19,155
  9. MC ARTHUR - 5,947
  10. MC CLURE - 0
  11. MC COMB - 3,010
  12. MC CUTCHENVILLE - 759
  13. MC DERMOTT - 3,566
  14. MC DONALD - 4,598
  15. MC GUFFEY - 419
  16. McArthur - 2,016
  17. McClure - 725
  18. McComb - 1,648
  19. McConnelsville - 1,784
  20. McCutchenville - 400
  21. McDermott - 434
  22. McGuffey - 501
  23. Mecca - 2,674
  24. Mechanic - 3,127
  25. Mechanicsburg - 1,644
  26. MECHANICSTOWN - 833
  27. Medina - 26,678
  28. MEDWAY - 4,110
  29. Melrose - 275
  30. Mendon - 662
  31. Mentor - 47,159
  1. Mentor-on-the-Lake - 7,443
  2. Metamora - 627
  3. Miami - 40,848
  4. Miamisburg - 20,181
  5. MIAMITOWN - 1,259
  6. Middle Bass - 25
  7. Middle Point - 576
  8. MIDDLEBURG - 63
  9. Middleburg Heights - 15,946
  10. Middlefield - 2,694
  11. Middleport - 2,530
  12. Middletown - 48,694
  13. Midland - 315
  14. Midvale - 754
  15. Milan - 3,606
  16. Milford - 6,709
  17. Milford Center - 792
  18. Millbury - 1,200
  19. Milledgeville - 112
  20. Miller City - 137
  21. Millersburg - 3,025
  22. Millersport - 1,044
  23. MILLFIELD - 341
  24. Millville - 708
  25. Milton Center - 144
  26. Mineral City - 727
  27. Mineral Ridge - 3,892
  28. Minerva - 3,720
  29. MINFORD - 693
  30. Mingo Junction - 3,454
  31. Minster - 2,805
  1. Mogadore - 3,853
  2. Monclova - 12,400
  3. Monroe - 12,442
  4. Monroeville - 1,400
  5. Montezuma - 165
  6. Montgomery - 10,251
  7. Montpelier - 4,072
  8. Montrose-Ghent - 5,177
  9. Montville - 1,991
  10. Moorefield - 12,436
  11. Moraine - 6,307
  12. Moreland Hills - 3,320
  13. Morral - 399
  14. Morristown - 303
  15. Morrow - 1,188
  16. Moscow - 185
  17. Mount Blanchard - 492
  18. Mount Carmel - 4,741
  19. Mount Cory - 204
  20. Mount Eaton - 241
  21. Mount Gilead - 3,660
  22. Mount Healthy - 6,098
  23. Mount Orab - 3,664
  24. MOUNT PERRY - 1,748
  25. Mount Pleasant - 2,368
  26. Mount Sterling - 1,782
  27. Mount Vernon - 16,990
  28. Mount Victory - 627
  29. Mowrystown - 360
  30. Munroe Falls - 5,012
  31. Murray City - 449
  1. Napoleon - 9,796
  2. NASHPORT - 5,485
  3. Nashville - 197
  4. Navarre - 1,957
  5. NEAPOLIS - 423
  6. Neffs - 993
  7. NEGLEY - 281
  8. Nelson - 3,148
  9. Nelsonville - 5,392
  10. Nevada - 760
  11. Neville - 100
  12. New Albany - 7,724
  13. New Alexandria - 272
  14. New Athens - 320
  15. NEW BALTIMORE - 661
  16. New Bavaria - 99
  17. New Bloomington - 515
  18. New Boston - 2,272
  19. New Bremen - 2,978
  20. New Carlisle - 5,785
  21. New Concord - 2,491
  22. New Franklin - 14,227
  23. NEW HAMPSHIRE - 174
  1. New Waterford - 1,238
  2. New Weston - 136
  3. Newark - 47,573
  4. Newburgh Heights - 2,167
  5. Newbury - 5,537
  6. Newcomerstown - 3,822
  7. NEWPORT - 1,988
  8. Newton Falls - 4,795
  9. Newtonsville - 392
  10. Newtown - 2,672
  11. Ney - 354
  12. Niles - 19,266
  13. Noble - 1,716
  14. North Baltimore - 3,432
  15. North Bend - 857
  16. North Benton - 1,305
  17. North Bloomfield - 1,863
  18. North Canton - 17,488
  19. North Fairfield - 560
  20. North Hampton - 478
  21. NORTH INDUSTRY - 10,213
  22. NORTH JACKSON - 3,101
  23. North Kingsville - 2,923
  1. NORTH LAWRENCE - 268
  2. North Lewisburg - 1,490
  3. NORTH LIMA - 2,724
  4. North Madison - 8,547
  5. North Olmsted - 32,718
  6. North Perry - 893
  7. North Randall - 1,027
  8. North Ridgeville - 29,465
  9. North Robinson - 205
  10. North Royalton - 30,444
  11. North Star - 236
  12. Northfield - 3,677
  13. Northfield Center - 5,839
  14. Northridge - 7,572
  15. Northridge - 7,572
  16. Northwood - 5,265
  17. Norton - 12,085
  18. Norwalk - 17,012
  19. Norwich - 31,807
  20. Norwood - 19,207
  21. NOVA - 1,759
  22. NOVELTY - 4,082
  1. Oak Harbor - 2,759
  2. Oak Hill - 1,551
  3. Oakwood - 3,667
  4. Oakwood - 3,667
  5. Oakwood - 3,667
  6. Oberlin - 8,286
  7. Obetz - 4,532
  8. OCEOLA - 190
  1. Ohio City - 705
  2. OKEANA - 3,047
  3. OKOLONA - 14,610
  4. OLD FORT - 186
  5. Old Washington - 279
  6. Olmsted Falls - 9,024
  7. Ontario - 6,225
  8. Orange - 3,323
  1. Orangeville - 197
  2. Oregon - 20,291
  3. OREGONIA - 1,689
  4. Orient - 270
  5. Orrville - 8,380
  6. Orwell - 3,106
  7. Osgood - 302
  8. Osnaburg - 5,616
  1. Ostrander - 643
  2. Ottawa - 7,845
  3. Ottawa Hills - 4,517
  4. Ottoville - 976
  5. Otway - 87
  6. Owensville - 794
  7. Oxford - 23,661
  1. Painesville - 19,563
  2. Palestine - 200
  3. Pandora - 1,153
  4. Paris - 1,744
  5. PARKDALE - 4,338
  6. Parkman - 4,131
  7. Parma - 81,601
  8. Parma Heights - 20,718
  9. Parral - 218
  10. Pataskala - 14,962
  11. PATRIOT - 2,315
  12. Paulding - 4,022
  13. Payne - 1,194
  14. PEDRO - 3,154
  1. Peebles - 1,782
  2. PEMBERTON - 112
  3. Pemberville - 1,371
  4. Peninsula - 565
  5. Pepper Pike - 5,979
  6. Perry - 3,531
  7. Perrysburg - 20,623
  8. Perrysville - 735
  9. PETERSBURG - 1,277
  10. PETTISVILLE - 498
  11. Phillipsburg - 557
  12. Philo - 733
  13. Pickerington - 18,291
  14. PIEDMONT - 433
  1. Pierpont - 1,285
  2. Piketon - 2,181
  3. Pioneer - 1,380
  4. Piqua - 20,522
  5. Pitsburg - 388
  6. Plain City - 4,225
  7. Plainfield - 157
  8. Pleasant City - 447
  9. Pleasant Hill - 1,200
  10. Pleasant Plain - 154
  11. Pleasantville - 960
  12. Plymouth - 1,981
  13. Poland - 14,960
  14. Polk - 2,132
  1. Pomeroy - 1,852
  2. Port Clinton - 6,056
  3. Port Jefferson - 371
  4. Port Washington - 569
  5. Port William - 254
  6. Portage - 692
  7. PORTLAND - 542
  8. Portsmouth - 20,226
  9. Potsdam - 288
  10. Powell - 11,500
  11. Powhatan Point - 1,592
  12. Proctorville - 574
  13. Prospect - 2,089
  14. PUT IN BAY - 763
  1. Quincy - 706
      1. Racine - 675
      2. RADNOR - 1,540
      3. Rarden - 1,249
      4. Ravenna - 11,724
      5. Rawson - 570
      6. RAY - 1,782
      7. Rayland - 417
      8. RAYMOND - 257
      9. Reading - 10,385
      10. Reed - 848
      11. REEDSVILLE - 2,083
      12. Reily - 2,624
      13. Reminderville - 3,404
      14. RENO - 1,293
      15. Republic - 549
      1. Reynoldsburg - 35,893
      2. Richfield - 3,648
      3. Richmond - 938
      4. RICHMOND DALE - 377
      5. Richmond Heights - 10,546
      6. RICHVILLE - 3,324
      7. Richwood - 2,229
      8. Ridgefield - 2,329
      9. Ridgeville - 1,091
      10. RIDGEVILLE CORNERS - 435
      11. Ridgeway - 338
      12. Rio Grande - 830
      13. Ripley - 2,338
      14. Risingsun - 606
      15. Rittman - 6,491
      1. Riverlea - 545
      2. Riverside - 25,201
      3. Roaming Shores - 1,508
      4. ROBERTSVILLE - 331
      5. Rochester - 799
      6. Rock Creek - 529
      7. Rockbridge - 182
      8. Rockford - 1,120
      9. Rocky Ridge - 417
      10. Rocky River - 20,213
      11. Rogers - 237
      12. Rome - 1,812
      13. Rootstown - 8,225
      14. Roseville - 1,852
      15. ROSEWOOD - 257
      1. Ross - 8,355
      2. Rossburg - 201
      3. Rossford - 6,293
      4. ROSSMOYNE - 2,230
      5. RUDOLPH - 458
      6. Ruggles - 905
      7. Rush - 2,613
      8. Rushsylvania - 516
      9. Rushville - 302
      10. Russell - 5,190
      11. Russells Point - 1,391
      12. Russellville - 561
      13. Russia - 640
      14. Rutland - 2,353
      1. Sabina - 2,564
      2. Sagamore Hills - 10,947
      3. SAINT BERNARD - 9,856
      4. SAINT CLAIRSVILLE - 12,636
      5. SAINT HENRY - 3,666
      6. SAINT LOUISVILLE - 2,312
      7. SAINT MARYS - 12,932
      8. SAINT PARIS - 5,608
      9. Salem - 12,303
      10. Salesville - 129
      11. Salineville - 1,311
      12. Sandusky - 25,793
      13. SANDYVILLE - 368
      14. Sarahsville - 166
      15. Sardinia - 980
      16. SARDIS - 559
      17. Savannah - 413
      18. SAYLER PARK FINANCE - 15,934
      19. Scio - 763
      20. Scott - 2,180
      21. SCOTTOWN - 1,078
      22. Seaman - 944
      23. Sebring - 4,420
      24. Sedalia - 322
      25. Senecaville - 457
      26. Seven Hills - 11,804
      27. Seven Mile - 751
      1. Seville - 2,296
      2. SHADE - 31,225
      3. Shadyside - 3,785
      4. Shaker Heights - 28,448
      5. Shalersville - 5,670
      6. Sharonville - 13,560
      7. Shawnee - 12,433
      8. Shawnee Hills - 681
      9. Shawnee Hills - 681
      10. Sheffield - 3,982
      11. Sheffield Lake - 9,137
      12. Shelby - 9,317
      13. Sherrodsville - 304
      14. Sherwood - 827
      15. Sherwood - 827
      16. Shiloh - 649
      17. Shiloh - 649
      18. Short Creek - 1,090
      19. Shreve - 1,514
      20. Sidney - 21,229
      21. Silver Lake - 2,519
      22. Silverton - 4,788
      23. Sinking Spring - 133
      24. Smithfield - 3,473
      25. Smithville - 1,252
      26. Solon - 23,348
      1. Steubenville - 18,659
      2. STEWART - 247
      3. Stockport - 503
      4. Stone Creek - 177
      5. Stonelick - 5,890
      6. STOUT - 1,827
      7. Stoutsville - 560
      8. Stow - 34,837
      9. Strasburg - 2,608
      10. Stratton - 294
      11. Streetsboro - 16,028
      12. Strongsville - 44,750
      13. Struthers - 10,713
      14. Stryker - 1,335
      15. Suffield - 6,311
      16. Sugar Grove - 426
      17. Sugarcreek - 8,041
      18. Sullivan - 2,513
      19. Summerfield - 254
      20. Summitville - 135
      21. Sunbury - 4,389
      22. Swanton - 3,690
      23. Sycamore - 19,200
      24. Sylvania - 48,487
      25. Symmes - 14,683
      26. Syracuse - 826
      1. TAFT - 13,638
      2. Tallmadge - 17,537
      3. Tarlton - 282
      4. Terrace Park - 2,251
      5. The Plains - 3,080
      6. Thompson - 684
      7. Thornville - 991
      1. THURMAN - 918
      2. Thurston - 604
      3. Tiffin - 17,963
      4. Tiltonsville - 1,372
      5. Timberlake - 675
      6. Tipp City - 9,689
      7. TIPPECANOE - 121
      1. Tiro - 280
      2. Toledo - 287,208
      3. Tontogany - 367
      4. Toronto - 5,091
      5. Tremont City - 375
      6. Trenton - 11,869
      1. Trimble - 4,480
      2. TRINWAY - 365
      3. Trotwood - 24,431
      4. Troy - 25,058
      5. Tuscarawas - 1,864
      6. Twinsburg - 18,795
      1. Uhrichsville - 5,413
      2. Union - 6,419
      3. Union City - 1,666
      4. UNION FURNACE - 122
      1. Urbana - 14,795
      2. Urbancrest - 960
      3. Utica - 2,132
      1. VALLEY CITY - 4,150
      2. Valley View - 2,034
      3. Valleyview - 620
      4. Van Buren - 1,469
      1. Van Wert - 10,846
      2. Vandalia - 15,246
      3. Vanlue - 359
      4. Venedocia - 124
      1. Vermilion - 10,594
      2. Vernon - 2,997
      3. Verona - 494
      4. Versailles - 2,687
      1. VICKERY - 121
      2. Vienna - 3,997
      3. VINCENT - 339
      4. Vinton - 548
      1. Wadsworth - 21,567
      2. Waite Hill - 471
      3. Wakeman - 2,731
      4. Walbridge - 3,019
      5. Waldo - 1,143
      6. WALHONDING - 890
      7. Walton Hills - 2,281
      8. Wapakoneta - 9,867
      9. WARNOCK - 57
      10. Warren - 41,557
      11. Warrensville Heights - 13,542
      12. Warsaw - 682
      13. WASHINGTON COURT HOUSE - 14,192
      14. Washington township - 56,607
      15. Washingtonville - 801
      16. WATERFORD - 3,713
      17. Waterloo - 2,562
      18. Waterville - 11,336
      19. Wauseon - 7,332
      20. WAVERLY - 14,132
      21. Wayne - 1,304
      22. Waynesburg - 923
      1. West Unity - 1,671
      2. Westerville - 36,120
      3. Westfield Center - 1,115
      4. Westlake - 32,729
      5. Weston - 2,336
      6. Wharton - 358
      7. Wheelersburg - 6,437
      8. WHIPPLE - 1,001
      9. WHITE COTTAGE - 15
      10. White Oak - 19,167
      11. Whitehall - 18,062
      12. Whitehouse - 4,149
      13. Wickliffe - 12,750
      14. Wilberforce - 2,271
      15. Wilkesville - 895
      16. Willard - 6,236
      17. Williamsburg - 5,746
      18. Williamsfield - 1,645
      19. Williamsport - 1,023
      20. WILLIAMSTOWN - 68
      21. WILLISTON - 487
      22. Willoughby - 22,268
      1. Willoughby Hills - 9,485
      2. WILLOW WOOD - 1,366
      3. Willowick - 14,171
      4. Willshire - 1,584
      5. Wilmington - 12,520
      6. Wilmot - 304
      7. Winchester - 2,208
      8. Windham - 2,209
      9. Windsor - 2,279
      10. WINESBURG - 352
      11. Wintersville - 3,924
      12. Withamsville - 7,021
      13. Woodlawn - 3,294
      14. Woodmere - 884
      15. Woodsfield - 2,384
      16. Woodstock - 305
      17. Woodville - 3,395
      18. Wooster - 26,119
      19. Worthington - 13,575
      20. Wren - 194
      21. Wyoming - 8,428
      1. Xenia - 25,719
            1. Zaleski - 278
            1. Zanesville - 25,487
            1. Zoar - 169