How to Get a Chapter 13 Bankruptcy Made Into a 7

A Chapter 13 bankruptcy allows debts to be paid over the course of three to five years. Monthly payments are paid to a court trustee. Payments are based on disposable income at the time of filing the bankruptcy. However, if you lose your job, become ill or face some other serious financial hardship, you may be able convert your chapter 13 bankruptcy to a chapter 7 in order to discharge your remaining debts in your repayment plan.

• 1

  Collect income documentation such as pay-stubs for the past six months, most recent tax forms and any documentation proving job loss or job change. In order to qualify for a chapter 7 bankruptcy, your income cannot exceed certain limits. Consult with your attorney to determine whether or not you will qualify for chapter 7 bankruptcy.

• 2

  File a motion to convert your chapter 13 to a chapter 7 bankruptcy with the help of your attorney.

• 3

  Compile documents pertaining to any debts incurred after filing the initial chapter 13 bankruptcy. These debts can be included in the chapter 7 discharge.

• 4

  Attend any scheduled meetings with your attorney and with your local court officials.