Will I Lose My Home or Car After Filing for Bankruptcy?

In most situations, you will not lose your home, car, or other personal belongings in bankruptcy, provided that your property is fully exempt. If your property is not fully exempt, you can keep it if you pay its non-exempt value to creditors in a Chapter 13. However, if your creditors have a security interest in your home or car, you must make payments on that debt if you wish to retain the property.

What Should I Bring to My Initial Consultation?

You should bring your recent paystubs or other proof of income, tax returns for the last two years, bank statements, mortgage statements, vehicle loan statements, credit card statements, utility bills, and any lawsuits filed against you or by you. You should also compile a list of your monthly expenses.

How Long Will Bankruptcy Stay On My Credit Report?

Bankruptcy can stay on your credit report for ten years from the date you file. However, because bankruptcy wipes out your past debts, you are often in a better position to pay your current bills and will likely be able to get new credit after your discharge.

What is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

Unlike Chapter 7 bankruptcy, which focuses on debt discharge, Chapter 13 bankruptcy consists of a three-to-five year repayment plan that allows you to pay back a percentage of your debts. After you complete the plan, a portion of your remaining debts will discharge, giving you the fresh financial start you need. Within 30 days of filing for Chapter 13, you must begin making payments. Attorney Diddio will work closely with you to negotiate a repayment plan that meets your needs.

Client Reviews

She helped my husband and I through a difficult time. We had lost our main source of income, lost our home, and were in so much debt. She was very respectful of our...


Highly recommend. Very upfront, efficient, and knowledgeable. She guided me through this entire process and made it seem not so stressful.


A rare attorney who cares about her clients. She did great work for me.

David R.

Kim Diddio was great through our bankruptcy case. She is very easy to speak with and walked us through the process. She makes you feel you are making the right decision...


Great person to work with. Very knowledgeable and easy to communicate with. She makes a difficult time a little bit easier.

Suzanne W.

Kim is a fabulous lawyer! She walked me through my chapter 7 step by step and always answered any questions that I had. Very professional and knowledgeable. Would...


She is an amazing person who will help you in your time of need.

Veronica P.

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