ch 13 to ch 7 conversion timeframe

[kittylou]

Is their a specific time that you can convert ch 13 to ch 7? It seems like when I read about others who have done this that it happened early in their ch 13. Can you convert any time during the course of the 60 months? I am only in month 4, but my job may change in about a year and I will make less money and that will allow me to qualify for ch 7. Thanks, Katie

[lrprn]

Is their a specific time that you can convert ch 13 to ch 7?

No, there's no specific time. Your lawyer can convert your 13 to Ch 7 anytime you qualify for Ch 7.

Do keep in mind that it may cost you more than you've already paid your Ch 13 lawyer to convert your case to Ch 7, so talk with your lawyer about the possibility and find out if this will be the case.

[CATCHMEIFYOUCAN]

Just my experience:

July 2006 filed Ch13: on an unconfirmed plan I was sending the trustee $250 a month

Oct/Nov 2006 converted to Ch7 (my lawyer said I didn't owe him another penny) originally I was due to pay him $3000 ($1000 would be paid through Ch13). The day I told him I was going to quit one of my jobs so I could convert - it seemed to happen overnight - I called the trustee assistant and she received the conversion notice and said I didn't have to pay them another cent - in fact I made total of 3 payments and got my money back (accept for like $75 which the Trustee kept as admin fees!)

Jan 2007 DISCHARGED !

Good Luck ! Catchmeifyoucan

[fiosrach]

No, there's no specific time. Your lawyer can convert your 13 to Ch 7 anytime you qualify for Ch 7.

So, if we file a Ch. 13 right now and don't qualify to file ch. 7 again until August of this year, would we be able to convert to a chapter 7 after the anniversary date of our original Ch. 7 filing in August 2000? Would that 7 be dischargeable?

[lrprn]

So, if we file a Ch. 13 right now and don't qualify to file ch. 7 again until August of this year, would we be able to convert to a chapter 7 after the anniversary date of our original Ch. 7 filing in August 2000? Would that 7 be dischargeable?

You posted this same question in a new thread and I answered it there - http://www.bkforum.com/showthread.php?t=23852

Please in the future when you have a question, either start a new thread or post your question to an existing thread, but not both. That's against our forum rules - thanks!