My husband and I filled chapter 13- 5 years ago and it took a toll on us. We had a bad layer to begin with who should have suggested a chapter 7 to begin with. We completed the chapter 13 in full and was discharged 2 years ago and since then I have lost a very high paying job and cant't find anything close to what I was making before. I live in Indiana!Our quality of life has changed so much . We struggled to complete the 13 and are no better off today then we were when we started this issue 5 years ago. I know we need money managment classes but if you just dont have the money to pay bills what are you to do? I was wondering if we could file a chapter 7 now or not. Someone told me that any chapter is still a chapter and I would have to wait the 7 year mark. I cant find any bankruptcy web sit that states this exact info and would greatly appreciate what advise you can give.