Bankruptcy attorney here. Without reaching the merits of discharging criminal restitution, you do not necessarily run the risk of losing everything you have in a Chapter 7 (and you definitely don't in a Chapter 13). From my experience, the only time an asset is in jeopardy is if there is equity and your attorney didn't take the requisite exemptions. This rarely happens, however -- most people get to keep their houses (usually underwater), their cars, and most other things. YMMV however.