How easy it is to convert from 13 to 7 under the new law? I may have to file 13 since not eligible to 7 now, then in a year or so request a conversion to 7. But I do not know how easy it will be for me to do this conversion. The other option is to wait for another 13 months and file straight 7: but this will be hard with all these payments and creditors calling.
Thanks,
Thanks,