I must have broken too many mirrors, or walked under too many ladders

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I agree. It seems to me that Chapter 13 means the debtor must contribute all disposable income to the BK estate for 5 years, or until all the debt is paid off (is this accurate?) A loss of income just means less disposable income to be confiscated - unless of course the disposable income drops to below zero, which then becomes a different problem. Converting to Chapter 7 could end up putting you into an even better net position going forward - so convert now, and then your husband can look for another job.

BTW, you can commiserate at the Unemployment forum here.

It is based on disposable income, but there are acceptions. We only pay on back mortgage and taxes and are negative a substantial amount according to the schedules, but after a year of completion so far we are better off than we have been in about 8 years. So we can make substantially (to me) more before the trustee will act.