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Chapter 13 bankruptcy questions .. Can I let someone get fired and filed a Chapter 7 instead?
Here's the deal: I am 3 months in a 3 years bankruptcy chapter 13. I want to convert to Chapter 7, but it is too much for me to afford right now. If you get behind on my payments administrator (from 90.00 per month), and chapter 13 is dismissed, does it still show on my credit? I got bad advice from a lawyer and I said I should file, but after talking to people in finance, tell me that was the right thing to do! I need to 1. get my case dismissed, 2. go to a paralegal to file Chapter 7, or even through credit repair, and 3. rebuild my credit. So my questions are: What should I do about the measures go? I'm very lost and my lawyer could not return my calls, and I am scared of this. Can I fire this lawyer stupid? Paralegals who are good in TX? THANKS!
Im not sure why you can not pay $ 90 a month, since only about 5% of what the payments would have been. Since you are so close to finishing with the 13, just want to continue unless the payments are going to rise soon to a much higher number. Either way your credit will be a disaster, as we still remain your credit. Also, depending on your situation, you may be unable to file a Chapter 7 since they changed the laws last year. Abou affected 80% of the BK's out there. Go to www.communtyempower.com and read their FAQ on credit. It may be helpful.
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