Here is my question. I have my 341 meeting next week. In the meantime due to an economic downturn I may lose my job. I am 6 months pregnant and the chances of someone hiring me are slim. If I do get laid off, would this be a good reason to change from chapter 13 to chapter 7. what would my options be. At this point I am not sure if I would even try and get a new job until after the baby is a year old. This would significantly lower our (my husband included) income and we would not be able to afford or chapter 13 payments. One more thing, at this time, if it were to happen...we have been making money orders every week that we need to bring to the trustee at our meeting, would those be given back to me? I am behind in my mortgage due to other unforseeable events (furnace failing, and vet bills). Thank you for your help