OK, here goes.
In Dec 08 my husband I filed a Chapter 13 Bankruptcy in Florida Middle district. With the normal increases in cost of living expenses (utilities, food, gas etc.we find ourselves consistently behind in our trustee payments. We are currently 10 days behind. Our House and car are included in the filing. Will I be able to convert to a 7 if we are behind in the Chapter 13? Even if we lose the car we would like to try to keep the house if we can renegotiate it. I believe we would pass the means test.