New Here with questions

[pilkerton21]

Just to clarify, you cannot convert the new ch.13 into a ch.7. The 8-year-rule between filings applies from filing date to filing date. When you convert a case, it uses the original filing date. Therefore, you would not be able to convert to a ch.7. HOWEVER, you could dismiss the ch.13 as soon as you are eligible for the ch.7 again and then re-file as a ch.7. Keep in mind that this would mean you/he had 3 bankruptcies on his credit at the same time. Dismissing the ch.13 does no erase it from the credit report. Although, that only matters if he intends to use credit again...Personally, I'm over credit, cash is king in my house!

Thank you for this information! Would there be a waiting period to file the Chapter 7 if we dismiss the Chapter 13 later on?

Yeah the credit thing doesn't really bother me, his credit is so screwed up anyway and we have been cash only for the last 2 years and trying to clean up this mess! We will never have credit cards again, if we can't pay cash then we don't need it!