So we converted our Chapter 13 case to a 7 on September 11, due to loss of income, new family member addition, and no longer wanting to hold onto a house that is in desperate need of repairs and no money for it. Was really nervous because I imagined the trustee grilling us on why we did not stay in the 13.....we qualified for the 7 when we first filed the 13 but were trying to save our house which we were behind on the mortgage payments. The meeting was a piece of cake. No reason to be nervous at all. He asked the standard questions. We gave him our new address, as we have already found a new place to live. He even stated at one point when asking about the house that he had not even noticed that we were a conversion case. I had prepared an entire page explaining why we could not make the plan work, and there was no need for that. Didn't ask for new bank statements, pay stubs, or anything. Mentioned nothing about our next tax refund, but our attorney said he wouldn't be entitled to it anyways, since he would of been entitled to last years because of when we initially filed and that refund is already gone. So, all and all it went very well. On Pacer we have been listed as an asset case....does anyone know, does that change since we are surrendering the house, little to no equity, and it will not sell for what is left on the loan so there will be absolutely no proceeds to distribute?
So, add us to the 60 day club!!! Hopefully, the next 60 days are quiet!!
So, add us to the 60 day club!!! Hopefully, the next 60 days are quiet!!
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