New here & my chapter 13 journey

[Clambert1273]

Yup - gotta love computer programs - smarter than us attorneys.

Des.

Im happy lol my atty was honest & was like we could try to fight for the ch 7 but thought it would cost me more in the grand scheme & mentally drain me

[Clambert1273]

Ok well as of today equity problem solved & back to a 7 filing today woohoo!

[justbroke]

Very nice news.

[Clambert1273]

Very nice news.

it was, I am so relieved

[flashoflight]

How'd you get around the equity and expanded homestead issues? Is this a dismiss and file 7 or conversion? Like I said before, I'd be scared to do a conversion without declaring the expanded homestead in the 13 with no opposition before converting.

[Clambert1273]

How'd you get around the equity and expanded homestead issues? Is this a dismiss and file 7 or conversion? Like I said before, I'd be scared to do a conversion without declaring the expanded homestead in the 13 with no opposition before converting.

it's neither, we had forgotten that the partial claim is a 2nd lien so when calculating the equity it was only using the mtg balance, adding the 2nd lien put us way under the homestead threshold. The 7 got filed today