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In most cases you will not lose your home or car during your bankruptcy case as long as your equity in the property is fully exempt.(see Iowa bankruptcy exemptions) 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 chapter 13.
If you hire an attorney you will also have to pay the attorney’s fees you agree to. Iowa exemptions provides list of the exemptions available for Iowa.
(see Iowa Court Directory) Filing bankruptcy immediately stops all of your creditors from seeking to collect debts from you, at least until your debts are sorted out according to the law. If didn’t received a discharge in the previous bankruptcy filing, depending on why this is the case, you can file and receive a discharge without any time restrictions.
Back to Top Most people filing bankruptcy will want to file under either chapter 7 or chapter 13. Is Iowa Chapter 7 (Straight Bankruptcy) Bankruptcy Right for Me?
In determining whether property is exempt, you must keep a few things in mind.
The value of property is not the amount you paid for it, but what it is worth now.
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In most cases you will have to pay the mortgages or liens as you would if you didn’t file bankruptcy.