If you have filed a Chapter 13 bankruptcy, and need to convert it to a Chapter 7 bankruptcy, how can you do that yourself without paying legal fees?
If you have filed a Chapter 13 bankruptcy, and need to convert it to a Chapter 7 bankruptcy, how can you do that yourself without paying legal fees?
If you qualify for a Chapter 7 bankruptcy, meaning principally that you meet the means test, then you have the right to convert your bankruptcy from Chapter 13 to Chapter 7.
Depending upon the local rules of procedure in the court where your bankruptcy is pending, you will need to file either a Motion to Convert or a Notice of Conversion. The bankruptcy court will review the petition and, if everything is in order, it should issue a Conversion Order in a matter of days. The court may require that you file a new Means Test form, amended schedules, or both. If the Trustee is holding payments that you have made on your Chapter 13 plan that have not yet been distributed to creditors, you may even qualify for a refund of some of that money.
You may add new creditors to the Chapter 7 bankruptcy, and there will be another creditors meeting. That is, if you've incurred additional debt since your Chapter 13 filing, you can add those creditors to your Chapter 7 bankruptcy.