I need some help I am in CA and I was told I didn't pass the means test. We are about 10k over so the attorney advised us to file a chapter 13 we had are 341 meeting last week. Our DMI is 1265 and that is what we have to pay per month for 5 years. We have 28k secured which is our car and 148k unsecured at 7% but our monthly expenses are far more than what is allowable. For instance our rent is 1900 per month but the means test only allows 1400 so that is what they used to calculate our DMI. This is new to me but i honestly feel like i am at the end of my rope this chapter 13 has caused more hardship that help. How can i find out about converting to a chapter 7 my lawyer charged 3500 for the 13 and his hourly rate is 275 so i need all the feedback i can get
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converting from a 13 to a 7
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