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Converting a Ch 13 to a Ch 7

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    Converting a Ch 13 to a Ch 7

    I'm in a Ch 13 which has not been confirmed yet. The car I owned was totaled and in my Ch 13 case. I don't own any real estate, but have other unsecured debt. I also have some minor back taxes. I've been in my Ch 13 for 7 months now. Should I convert my Ch 13 into a 7? I understand if I do I also get my plan payments returned to me as well. Is that automatic?

    #2
    what will be returned is what is left after the lawyer fee is paid and the trustee takes his percentage for paying the lawyer. But the rest will be yours. (as long as you are not confirmed)

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