What should we do Need some advise

[SinkingFast]

What if the OP is turned down for a 7 and has to convert to a 13? Then, even though he was turned down for a 7, can he still convert the 13 back to a 7, in a year or so if the situation is right?

Yep.

Coma did just that.

Coma originally filed a Ch 7, but voluntarily Converted to a 13 to save a car, I think. Then, they were reassigned to a new duty station resulting in a loss of pay. They decided to surrender the vehicle they'd worked so hard to save. They Converted back to Ch 7 about 18 months to 2 years into their Plan.

If the OP gets pushed into a Ch 13, and circumstances change drastically,.............. Say one of them looses a job, becomes disabled and cannot work, suffers the death of a spouse,........... They can reapproach the Court to Convert back to Ch 7 if their Ch 13 Plan causes undue hardship on the Debtor or the Debtor's dependents.

[aachudneymiles]

Keep in mind that what may be out of the norm for your area may be common practice in another and vice-versa. Even when I was looking at our final schedule I thought we were gonna get called on some "iffy" items, but we had absolutely no problems.

The lawyer for the OP may have made an error, but he also may be very well versed in what is acceptable to the local trustee.

ok! thats why i said maybe his lawyer knows his job and the trustee meaning he know what expense the trustee will let rid.