My question involves bankruptcy in the state of: Florida. I am 2 years into a chapter 13 and I am a divorced male living with my daughter, her husband and 2 kids. I have had no problem making my ch 13 payments up until now but it's all falling apart.
We had 3 incomes and now I have one, The kids are divorcing and they are all moving out.
I can probably afford the payments still, barely, but I am too old to take care of the house we are living in by myself and I asked my lawyer what to do.
He told me to stop paying the trustee and default on the ch 13 and he could refile the new ch 13 without the house.
I am wondering if this sounds feasible.
I can just let them have the house, and refile for a new chapter 13 even though I make enough money, in their eyes , to continue paying. I know that in a short period of time that would all fall apart by some unforeseen incident. A small toilet leak last month cost $480 in an extra water bill. The roof is old with a small leak, and the septic tank is ready to fail.
Is it really possible to redo a chapter 13 by saying I can no longer maintain the home on my own?

