chapter 13 to 7

[dylancarly]

I have been making weekly payments in a chapter 13 plan for almost a year.
I have a full time job and a part time job and my wife has a part time job. My part time job is starting to take its toll on me and my family. Is it possible to quit my part time job and convert to a chapter 7? My income for my part time job is almost identical to my monthly chapter 13 payment. Would the trustee and/or courts frown upon this? I was also wondering if I would have to wait 6 months after quitting my part time job to show the court that I would now be below the median income for a family of four? Obviously once the income from my part time job was gone I would not be able to pay my weekly plan payments and pay my household bills so my plan payments would have to cease coinciding with when I quit my part time job. I would hate to take a gamble on quitting my job and having someone trustee, court or creditor object to my conversion. Then I would be worst off than when I started.
Feel free to tell me to suck it up and keep working my two jobs for four more years. Thats what I keep telling myself but at times I wish I never had this second job.
Thanks

[CATCHMEIFYOUCAN]

Just Do It !

I have been making weekly payments in a chapter 13 plan for almost a year.
I have a full time job and a part time job and my wife has a part time job. My part time job is starting to take its toll on me and my family. Is it possible to quit my part time job and convert to a chapter 7? My income for my part time job is almost identical to my monthly chapter 13 payment. Would the trustee and/or courts frown upon this? I was also wondering if I would have to wait 6 months after quitting my part time job to show the court that I would now be below the median income for a family of four? Obviously once the income from my part time job was gone I would not be able to pay my weekly plan payments and pay my household bills so my plan payments would have to cease coinciding with when I quit my part time job. I would hate to take a gamble on quitting my job and having someone trustee, court or creditor object to my conversion. Then I would be worst off than when I started.
Feel free to tell me to suck it up and keep working my two jobs for four more years. Thats what I keep telling myself but at times I wish I never had this second job.

Just Do It ! I did. I held 2 full time jobs for the past 10 years. When I filed I was looking at 5 years of Ch13 paying $800! That was practically my take home pay from one of my jobs. The judge said there is no law making you work 80 hours a week, if you quit one job you can convert to Ch7. It made sense 3 months into my 13 plan. I made 3 whole payments on a "unconfirmed plan of $250 a month," quit my day job and stuck with my night job. Converted to Ch7, in a month had to attend another 341 meeting. I didn't have to wait 6 months for my income to change. I think the lawyer only had to pay $15 to convert. I'm discharged now as of end of January! If you can convert, Just Do It. I'd rather see myself struggling on one job for a couple months than the next 5 years really struggling. You do the math!

Best of Luck, CMIYC