My husband and I filed Chapter 13 10/05. Husband is retired/working 2nd job and his retirement totally pays for the monthly Chap 13 payment. The payment is $2315.00 per mo. He makes 2k per month, I make 1500 per month. If he dies, I get 1/2 of his retirement per month, and also lose the 2nd job income of 2k.

What would I do if he dies? That would leave me with aprox $2600. per month total income. I could not make the Chap 13 payments. The mortgage is included in the payments so I could not sell the property, correct? I am afraid that I would lose everything.

Is it possible to convert to a Chap 7 and still retain the house if he dies? I could make the mortgage payment and survive if converted to Chap 7.

I am truly worried about this.