---
title: Do I get to keep my stuff after I file for bankruptcy?
description: Can you keep your car, home and other belongings after you file for bankruptcy?
image: https://www.orsonwoodall.com/hubfs/blog/stuff.jpg
---

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By [Orson Woodall](https://www.orsonwoodall.com/videos/author/orson-woodall)

** [Bankruptcy](https://www.orsonwoodall.com/videos/topic/bankruptcy), [Filing for bankruptcy](https://www.orsonwoodall.com/videos/topic/filing-for-bankruptcy), [featured](https://www.orsonwoodall.com/videos/topic/featured) July 26, 2017

# Do I get to keep my stuff after I file for bankruptcy?

See how you can keep your stuff in certain types of bankruptcies.

One of the questions I'm asked almost every time someone comes to talk to me is, "Do I get to keep my stuff if I file a bankruptcy?" Well, the simple answer is yes, you do get to keep your stuff.

In a Chapter 7 Bankruptcy, let's say you have a car financed or some furniture financed. To keep your stuff, all you do is reaffirm the debt and continue to pay the creditor like you originally agreed to.

In a Chapter 13 Reorganization, the way you keep your stuff is by reorganizing the debt over a period of time, from 36 to 60 months. We found that we can normally cut your payments in half in a Chapter 13 over what you're currently paying. Let's say your car payment is $500, that means you'll take it to $250-300 a month.

Ninety-nine percent of the time, if you file a bankruptcy, you do get to keep your stuff. Just give us a call at 229-247-1211 or [fill out the form on this page](https://www.orsonwoodall.com/contact-us) to schedule a free confidential consultation.

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