have to covernt to a form a 7 to a 13

[charlesman2]

ok my unseacured debt is 45000 whats the stnadered they use to get a payment iam a no asst iam paying my home and car out of the plan do they go bye seachdule i or j

[lrprn]

Given the very limited information you've provided, there's no way to tell how you are going to fare on the mandatory Means Test and Schedules.

Also only experienced local bk lawyers will know whether your local court goes by the Means Test or Schedules for determining disposable income.

If you haven't already, set up free initial consultations with 3-4 experienced bk attorneys in your area. Lay out all your financial information to get an idea of which chapter (7 or 13) you are likely to be able to file.

Also, a tip....when posting here remember that capitals and punctuation are your friends . Members are likely to bypass sharing answers if it isn't immediately apparent what you are trying to find out. Posts that don't have capitals and punctuation are difficult to read and understand. We want to help - help us by making it easy to read your questions - thanks!