Maumee, Ohio Bankruptcy Attorney Scott France

Maumee Bankruptcy Attorney Scott France

Bankruptcy relief and your fresh start both begin here! We are experienced bankruptcy lawyers and attorneys near Maumee, OhioConveniently located just 10 minutes from Maumee, we are a short drive northbound on US 23, just off the West Central Avenue exit. We offer free on-site parking, a beautiful and safe suburban environment, elevator service, and the experience that you would expect from an established Toledo bankruptcy law firm. 

Already well known in the Maumee, Ohio bankruptcy attorney community, call us if you are facing foreclosure, wage garnishment, mounting debt,  vehicle repossession, utility shut off, creditor collections, or other financial stresses. We start with a free initial bankruptcy consultation. Contact us today by email or phone and book an appointment to speak with an experienced bankruptcy attorney.  Again, the initial consultation is free and without any obligation.  419.725.9300



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READ BELOW: Your guide to Ohio’s bankruptcy exemptions and bankruptcy in the news. 

10 Warning Signs:       

Is bankruptcy right for me?

  1. Experiencing a wage garnishment
  2. Mounting credit card debt
  3. Making minimum credit card payments 
  4. Creditor calls and mail
  5. Creditor lawsuit 
  6. Utility shut off.
  7. Household financial stress 
  8. Mortgage arrears
  9. Car payment arrears
  10. Vehicle repossession


Bankruptcy Attorney. Maumee, Ohio               (419) 725-9300  

Office Hours:  Monday thru Thursday 9:00am to 5:00pm; Friday 9:00am to 1:00pm;  Select monthly evening and Saturday morning appointments are available on a first-come first-served basis with limited availability.

Feed My Face[book] - Toledo Bankruptcy Attorney, Scott France, on WTOL Channel 11.

Maumee Bankruptcy Attorney Scott France (far right)








Bankruptcy Exemptions In Ohio: Ohio is considered an “opt out state” meaning that all bankruptcy exemptions come from Ohio Revised Code 2329.66, rather than a Federal source of exemptions. Not all states “opt out of the Federal bankruptcy exemptions. For example, our clients from Michigan have the option to between Michigan statutory exemptions (MCL) or Federal bankruptcy exemptions. In other words, Michigan chose not to “opt out” of the Federal exemptions.

Ohio Debtors filing for relief under Chapter 7 Bankruptcy will want to become familiar with the applicable Ohio bankruptcy exemptions before filing for Chapter 7 Bankruptcy relief. For educational purposes, bankruptcy exemptions help protect some or all of a debtor’s assets, including personal residence, motor vehicle, household items, professional tools of trade, and more. Real and/or personal property that is deemed not to be covered by a bankruptcy exemption, can be at risk of liquidation in a Chapter 7 bankruptcy. Be sure to discuss all of your assets with your bankruptcy attorney prior to filing for Chapter 7 Bankruptcy relief. In joint bankruptcy cases (married couples), remember to discuss with your bankruptcy attorney whether any of these exemptions may be doubled?  The following is a partial list of chapter 7 bankruptcy exemptions in Ohio:

  • Personal Residence ($136,925.00)
  • One Motor Vehicle ($3,775.00)
  • Cash, Liquid Money ($475.00)
  • Household Items ($600.00 per item; $12,625.00 aggregate)
  • Jewelry ($1,600.00)
  • Professional Tools of Trade ($2,400.00)
  • Most Personal Injury Awards ($23,700.00)
  • Wildcard Exemption ($1,250.00)

The above Ohio bankruptcy exemptions are subject to periodic change and anyone considering filing for chapter 7 bankruptcy relief should consult with a bankruptcy attorney for the most updated figures.

Making Sense of Bankruptcy Exemptions: For educational purposes, it may help to think of a chapter 7 bankruptcy exemption as a “shield against exposed equity” pertaining to your real and personal property. By exposed equity, we suggest thinking of what your net profit might be if you sold the item. Following are 2 hypothetical examples of chapter 7 bankruptcy exemptions at work as they relate to a vehicle. The first example demonstrates a scenario in which the chapter 7 bankruptcy exemption helps to fully protect the vehicle from liquidation risk in chapter 7 bankruptcy. The second example demonstrates a scenario in which the chapter 7 bankruptcy exemption is insufficient to fully protect the vehicle, thus exposing the debtor to liquidation risk.

  • Example 1: Vehicle fully protected by chapter 7 bankruptcy exemption. Debtor owns a car with a fair market value of $10,000.00. Debtor is making monthly payments on his or her car loan and remains current on same. The loan pay off is $8,000.00. By using the chapter 7 bankruptcy exemption for vehicles on this item, this car remains protected from liquidation risk. This particular debtor needs to protect the remaining $2,000.00 of exposed equity on his or her car. Ohio’s chapter 7 bankruptcy exemption for a motor vehicle is $3,775.00, more than enough to cover the excess equity in this case.
  • Example 2: Vehicle still at risk of liquidation after applying Ohio’s motor vehicle bankruptcy exemption. Debtor owns a truck with a fair market value of $9,000.00. This vehicle is owned free and clear of any loan. The debtor is the only person on the vehicle title. By applying Ohio’s chapter 7 bankruptcy exemption for motor vehicles, this debtor can protect $3,775.00 of the $9,000.00 fair market value, thus leaving $5,225.00 of equity exposed. Creditors may be interested in receiving some of this amount, thus forcing liquidation of the debtor’s truck. In most cases, the debtor may receive an opportunity to save the vehicle by paying this amount to the bankruptcy estate, however many debtors are not in a position to make this purchase. Additional help may be available to this debtor if he or she is filing jointly with a spouse who happens to also be on the same title, thus creating a second exemption which can be applied to the same truck. Finally all debtors are permitted one “wildcard bankruptcy exemption” ($1,250.00) which can be applied to their property.


Bankruptcy In The News:  Top 5 Reads

  1. “Chain Restaurants Mr. Gatti’s and Gigi’s Cupcakes File For Bankruptcy…” 
    1. Source: Austin-Eater; January 11, 2019
  2. 2018 Toledo Area Bankruptcy Filing Statistics
    1.  Source: Ohio Northern District Court Website; January 2019
  3. “Bankruptcy Cases Up Big In Toledo”
    1.  Source:  Toledo Blade; November 1, 2018
  4. “Celebrity Chef Mike Isabella Files Bankruptcy…”   
    1.  Source: Washington Post; September 7, 2018
  5. “Rich and Famous Celebrities Who Lost All Their Money…” 
    1.   Source:  Business Insider; May 14, 2018


NOTICE:  We are a debt relief agency.  We help people file for relief under the United States Bankruptcy Code.  Nothing contained within the pages of this website is meant to be construed as legal advice.  Those individuals considering filing for bankruptcy relief should contact an experienced bankruptcy attorney for specific advice tailored to his or her needs.   Choosing a qualified Toledo Bankruptcy is an important decision. All content contained within the pages of this website are intended to be for educational purposes only.




Bankruptcy Maumee, OH

Bankruptcy Maumee, Ohio

  • Eliminate medical debt
  • Stop home foreclosures
  • End creditor calls and collections
  • Wipe out mounting credit card debt
  • Stop wage garnishments
  • Claim your fresh start


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Ohio bankruptcy attorneys serving:  Maumee, Toledo, Perrysburg, Oregon, Holland, Sylvania, Rossford, Waterville, Grand Rapids, Napoleon, Defiance, Swanton, Delta, Wauseon, Fayette, Haskins, Bowling Green, Cygnet, Fostoria, Findlay, Sandusky, Port Clinton, Upper Sandusky, Lima, Gibsonburg, Helena, Fremont, Clyde, Woodville, Norwalk, Huron, Tiffin, Ohio.  Michigan chapter 7 bankruptcy attorneys serving: Ida, Temperance, Lambertville, Monroe, Milan, Ann Arbor, Saline, Ypsilanti, Canton, Bedford Township, Summerfield, Ottawa Lake, Blissfield, Dundee, Southgate, Taylor, Petersburg, Michigan.

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