Ohio: Probate Notice to Creditors and Claim Deadlines

Requirements one by one

No general publication or creditor-search step

The ordinary Chapter 2117 clock starts at death, not publication. Sections
2117.06 and 2117.07 prescribe written presentment and optional individual
notice; they do not require a representative to publish a general notice or to
search for known or reasonably ascertainable creditors before the six-month
bar applies.

An executor or administrator may choose to send § 2117.07 notice to a potential
claimant. It must identify the decedent and death date, identify the fiduciary
and mailing address, explain the § 2117.06 written-presentment route, and state
the accelerated deadline.

Present a writing through a statutory route

Before a final account or certificate of termination, § 2117.06(A) offers
three routes: a writing to the executor, administrator, or record counsel; a
writing filed with the probate court that includes the estate case number; or a
writing actually received by the fiduciary or record counsel on time, regardless
of whom it was addressed to. After the final account or certificate is filed,
the statute directs the writing to distributees who may share liability. Every
presented claim states the claimant's address.

Section 2117.08 does not make an affidavit a universal first-step formality. It
allows the fiduciary to demand satisfactory written proof and an affidavit
covering the debt, payments, counterclaims, security, maturity, and any tort or
priority basis.

Treat six months after death as the ordinary outside bar

Section 2117.06(B)-(C) requires presentment within six months after death even
when the estate is released from administration or no executor or administrator
is appointed during that period. An untimely claim is forever barred as to all
parties, including devisees, legatees, and distributees, and ordinarily cannot
be paid or litigated.

Optional § 2117.07 notice shortens one potential claimant's period to the
earlier of 30 days after receipt or the same six-month death date. Publication
does not affect either deadline.

Preserve the contingent-claim route

Section 2117.37 gives a claim contingent at death a later-of formula when its
cause of action later accrues: six months after death or two months after
accrual. If rejected, the claimant must sue within two months after rejection.
Section 2117.41 permits recovery against recipients of estate property up to
the value each received, subject to that section's separate suit limits.

This is a named contingent-claim route, not a general extension for an ordinary
late claim or a separate no-known-asset procedure.

Apply lien, governmental-debt, and Medicaid rules separately

Section 2117.10 preserves a valid lien despite nonpresentment when the lien is
evidenced by a publicly recorded document or by actual possession of the
property subject to it. Because § 2117.06 expressly includes secured claims,
that lien preservation should not be restated as permission to recover a
general unsecured deficiency after the claim bar.

For Medicaid estate recovery, § 2117.061 requires the person responsible for
the estate to send the program's form within 30 days after letters or an
application for release or summary release. The program then has the later of
90 days after receiving that form or one year after death to present its claim.

Section 2117.25(D)(1) also directs the fiduciary to pay known debts entitled to
federal preference and known personal obligations to Ohio or its subdivisions,
including the Medicaid class stated in § 2117.25(A)(8), regardless of
presentment. The cited claims scheme states no separate insurance-only route.

What trips people up

The six-month deadline can expire before an estate is opened. Appointment is
not the event that starts or extends it.

Optional direct notice accelerates the deadline. Its formula is the earlier of
30 days after receipt and six months after death, not the later date.

A valid recorded or possessory lien may survive nonpresentment, but § 2117.06
still expressly includes secured creditors in the ordinary presentation rule.

Rejection starts another clock. Section 2117.12 generally requires an action on
the rejected claim within two months after rejection if the debt is due, or
within two months after it becomes due.

Common questions

Must the executor publish a statewide creditor notice?

The core ordinary claims provisions do not prescribe general publication. The
six-month period runs from death, and § 2117.07 instead authorizes optional
written notice to a potential claimant.

Can a creditor file only with the probate court?

Yes, if the writing includes the decedent estate's probate case number. Section
2117.06(A) also provides fiduciary, record-counsel, actual-receipt, and
post-closing distributee routes.

Does a pending lawsuit automatically preserve an estate claim?

No. Section 2117.06(E) requires a fiduciary with actual knowledge of a pending
predeath Ohio action to file notice of appointment in that action, but expressly
says failure to do so does not extend the claims period. Estate-asset recovery
still requires Chapter 2117 presentment.

Is an affidavit always required with the initial claim?

No. Section 2117.08 allows the executor or administrator to require written
proof and a claimant affidavit after a claim is presented.

Statutes and sources

• Ohio Rev. Code §§ 2117.06-.07 — presentment routes, six-month bar,
  pending actions, contingent-claim reference, and optional accelerated notice.
  Ohio Legislative Service Commission, 134th G.A. S.B. 202:
  https://search-prod.lis.state.oh.us/api/v2/general_assembly_134/legislation/sb202/05_EN/html/
  (accessed 2026-08-12).
• Ohio Rev. Code §§ 2117.08, 2117.10, 2117.37, and 2117.41 — proof on
  demand, lien preservation, and later-accruing contingent claims. Ohio
  Legislative Service Commission, 129th G.A. S.B. 124:
  https://search-prod.lis.state.oh.us/api/v2/general_assembly_129/legislation/sb124/05_EN/pdf/
  (accessed 2026-08-12).
• Ohio Rev. Code § 2117.12 — two-month action after rejection. Ohio
  Legislative Service Commission, 125th G.A. H.B. 51:
  https://search-prod.lis.state.oh.us/api/v2/general_assembly_125/legislation/hb51/05_EN/pdf/
  (accessed 2026-08-12).
• Ohio Rev. Code §§ 2117.061 and 2117.25(D)(1) — Medicaid notice and
  presentment, and debts payable despite nonpresentment. Ohio Legislative
  Service Commission, 130th G.A. H.B. 59:
  https://search-prod.lis.state.oh.us/api/v2/general_assembly_130/legislation/hb59/08_EN/pdf/
  (accessed 2026-08-12).