What Is Bankruptcy

Types of Bankruptcy

What Can I Keep

Will It Wipe Out My Debts

Income Tax Refunds

Retirement Accounts

Will I Have To Go To Court

What Happens After Bankruptcy

Mortgage Foreclosures

Documents You Need to Gather to File

Required Credit Counseling Courses

Attorney Profiles

Bankruptcy Brochure



Central PA Office

4076 Market Street
Suite 209

Camp Hill, PA 17011

(717) 975-0500


Western PA Office

1149 Municipal Drive
PO Box 663

Duncansville, PA 16635

(814) 693-0500


Franklin County

(717) 709-0500


(888) 249-9660 (toll free)

(814) 693-0501 (fax)



















What Will Happen to My Home and Car If I File Bankruptcy?

In most cases you will not lose your home or car during your BK case as long as your equity in the property is fully exempt.  Even if your property is not fully exempt, you will be able to keep it, if you pay its non-exempt value to creditors in a chapter 13.

Some of your creditors may have a “security interest” in your home, automobile or other personal property.  This means that you gave that creditor a mortgage or put up some other property as collateral for the debt.  BK does not make these security interests go away.  If you don’t make your payments on that debt, the creditor may be able to take and sell the home or the property, during or after the BK case.

These are several ways that you can keep collateral or mortgaged property after you file BK.  You can agree to keep making your payments on the debt until it is paid in full or you can pay the creditor the value of the property you want to keep.  In some cases involving fraud or other improper conduct by the creditor, you may be able to challenge the debt.  If you put up your household goods as collateral for a loan (other than a loan to purchase the goods), you can usually keep property without making any more payments on that debt.

Call Lisa today receive your 10 Most Common Questions People Have About Bankruptcy or fill in the form below. Or, if you prefer, click on the red appointment widget to the right ---> to schedule an appointment.



Member, National Assoc of Consumer Bankruptcy Attorneys

Member, Middle District Bankruptcy Bar Association