Chp 13 to 7 possible ?
Details:
Currently in a 13 paying $2070 a month. Single filer but married and wife didn’t file. All debt was my name only.
Since filing wife lost job and income has dropped from 210 to 140k.
House has about 195 owed and is worth about 300 maybe? We have a few things that would need to be fixed to sell (roof, gutters)
We have 2 kids
Based on April 1 changes to bankruptcy it looks like I am above median income by a few thousand.
When doing the means test my wife’s full income was used and we had a disposable income of $2090 from the paperwork I read. Since then we lost about $5800 a month
to losing a job.
I’ve contacted my lawyer a few times but no answer.
Any luck pushing more on this? I’m on a 100% plan and can make the payments but it isn’t easy. Especially with 3rd kid on the way (oops).
When I filed 1 card didn’t file paperwork so I have about 90k in cc debt and 70k in student loans. I’ve paid $16k of my planed 120k.