My question involves bankruptcy in the state of: Indiana
In February 2010 my husband and I filed Chapter 13. We were doing okay until June when we were informed of a mortgage payment not paid (January). So we were told that would be added into the bankruptcy but since that wasn't paid the trustee would want to include the mortgage until discharge and then we would take back
over the payments. Since they changed the payments we
are having difficulty with living (I also had my hours cut back at work). We were thinking about switching to a Chapter 7 (we do qualify under the means test).
My question is: I have 5 children ages 12 and under. I am worried about losing my house and vehicle if we switch to a Chapter 7. They are my priority in all this mess. I don't totally understand the homestead exemption thing. We owe $240,000 and recently the value of the home was assessed at $256,000. My lawyer is a bankruptcy lawyer and is very difficult to get a hold of. Would another lawyer talk to me if I contacted him/her?
Has anyone been in this predicament before? Does anyone have any suggestions?

