Value of assets added to overall debt?

[Fallonedward]

Can they push you into a 13 with a 0% payback? We qualify for a 7 but do not want a 13, as we are older and our high earning years are behind us

You get the same exemptions that you get in a chapter 7. So, if you have $20k worth of assets, but they all qualify for an exemption under ch. 7 then there's no minimum that you have to pay into the 13.

We have nearly $30k worth of assets (including a couple paid off vehicles), but they all have exemptions, so we don't have a minimum to pay in. We're actually at a 0% payback to unsecured.

[momofthree]

Can they push you into a 13 with a 0% payback? We qualify for a 7 but do not want a 13, as we are older and our high earning years are behind us

If you qualify for a ch.7 and don't want a 13, then file ch.7! We also qualified for a ch.7, but wanted the 13 to strip our 2nd mortgage, so we weren't "pushed" into a ch.13 with a 0% payback, we chose it.