A little over a year ago my husband and I filed a chapter 13 repayment plan, he was laid off over the summer and we got behind so we had post petition agreements which raised our monthly payment to the trustee to $730 monthly ontop of a Mortgage payment of $951, it seems we are still struggling, with two young children and the everyday life needs, utilities, gas ect. It seems impossible to keep up. Late payments on our home and truck were included in the 13, but we do pay our mortgage payment to the lender outside of the plan. Is it possible to convert to a chapter 7 and Still keep our home and truck?
Thank your for Any advice you can give me.