The Chapter 7 Bankruptcy Ohio Means Test Step 1: Median Income Comparison The first step of the Ohio bankruptcy means test compares your average monthly income over the last six months to the median income in your state. For cases filed after May 1, , the median income for a single earner in Ohio is $48, per year. Ohio Chapter 7 bankruptcy information. In a Chapter 7 bankruptcy you wipe out your debts and get a “Fresh Start”. Chapter 7 bankruptcy is a liquidation where the trustee collects all of your assets and sells any assets which are not exempt. (see Ohio Exemptions) The trustee sells the assets and pays you, the debtor, any amount exempted. Advantages to a Ohio Chapter 7 filing: You receive a complete fresh start. After the bankruptcy is discharged the only debts you owe will be for secured assets You have immediate protection against creditor’s collection efforts and wage garnishment on the date of filing. Wages you earn and.