Your ability to convert to Ch 7 depends on a number of factors, not just your assets. You should schedule an appt to speak with your atty about the possibility. One thing you should be aware of though is that since you and your soon to be ex-husband filed the Chapter 13 jointly, he has to agree to convert the case as well, otherwise you would have to get into possibly severing the case and converting just you... but then that could leave you in trouble per the divorce agreement.. best to discuss this with your BK atty asap.