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?
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Converting a Ch 13 to a Ch 7
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