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I'm sorry to hear about your situation. In terms of bankruptcy law, 2 years is the operative date, in that the trustee can "pull back in" the transfer of the property if you made it within 2 years of the filing of bankruptcy. But under the Ohio Uniform Fraudulent Transfer Act (Chapter 1336: OHIO UNIFORM FRAUDULENT TRANSFER ACT), the operative time period is 4 years. In other words, the creditor could have 4 years to file a claim under this statute to get the transfer rescinded and be able to get back to the property.
The better option would likely be bankruptcy, as you can generally keep your house (assuming that it's modest enough). Of course, that depends upon your specific situation, and you'd want to speak with a bankruptcy attorney about that. That being said, you need to contact an attorney in your area that deals with bankruptcy cases. Go to www.lawyers.com or www.legalmatch.com to find an attorney in your area. You should be able to find one that will give you a free initial consultation and better advise you of your rights, any problems with your case, likelihood of success, how courts are treating cases such as yours in your area, and what you should do next.
The point is here, to answer your question, 2 years would not be enough under Ohio law to prevent the creditors from coming after you, as the law allows for 4 years.
I know this is probably not what you wanted to hear, but it is the law. I hope that clears things up anyway. If you have any other questions, please let me know. If not, and you have not yet, please rate my answer AND press the "submit" button, if applicable. Please note that I don't get any credit for the time and effort that I spent on this answer unless and until you rate it positively (good or better). Thank you, ***** ***** luck to you!