You may have the option of converting to a 7. Although the court could decide you are capable of paying back your debt via 13. You are in a better position of keeping a car and home in 13 than 7. Unless you cannot reaffirm the loans, and the lender is calling in the property. They would still have that option in a 7 also.
You can file a Chapter 7 (or another 13) after 70% of the plan payments are completed.
Copyright © 2026 eLLeNow.com All Rights Reserved.