Possible 13 to 7 conversion

[chloe0724]

Ok,

So I got some answers about this, but I am trying to get a little clarification. My Husband will be going on disability in the next few weeks. This is going to reduce our income by about 50%. We are currently in the process of getting confirmed in a 13 because our median income was too high. I know that I can't get a hardship discharge prior to confirmation and am thinking that converting to a 7 may be the answer.

I know that the judge can look at our case and see that we will no longer be able to afford the payments for our 13 and can have us convert. My question is about the income. Our 6 month look back will still be higher, and I know the judge can look at what our current situation is as well.

I need to know about the means test. Do we have to show negative income to qualify for a 7?

Thnaks

[JRScott]

No. You just have to have less than 160 a month I think it is.

[lrprn]

To convert your case to a Ch 7, your Means Test and Schedules have to show you don't have sufficient disposable income to support a Ch 13. When that happens in your case depends on when your combined income looking back six months drops sufficiently.

The fact that your husband will have disability income adding in makes this situation more complex - your lawyer can help you sort this out. If you haven't already, call or email him/her to let them know what's happening and tell them you want to convert to Ch 7 as soon as it's possible.