Should I Convert My Chapter 13 To A Chapter 7? - Robert J. Adams & Associates


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Should I Convert My Chapter 13 To A Chapter 7?

March 25, 2014

There are times when it is best to convert a Chapter 13 case to a Chapter 7 and get a “fresh start.” The question is why you filed a Chapter 13 and whether you still need to keep paying into your Chapter 13.

Is it a good idea to convert my Chapter 13 to a Chapter 7 and can I?


  1. You filed a Chapter 13 to save a car but now the car is not worth saving. Perhaps the car has been broken down or was in an accident.
  2. You filed a Chapter 13 to save your home but it can’t be done any more or you no longer want to save it.
  3. You filed a Chapter 13 because your income was too high but now there has been a change of circumstances: You or your spouse lost a job; you now have more people in your household; or your income went down when you retired.
  4. Since the filing you incurred more debt that you cannot handle.
  5. The Chapter 13 trustee is proceeding with a motion to dismiss for an inability to maintain Chapter 13 payments and refiling a Chapter 13 is not practical. (Of course it is best to discuss this with your lawyer to see if it is best to allow the dismissal and then refile a Chapter 13.)


If the Chapter 13 was filed within 8 years of a prior Chapter 7 you cannot convert the Chapter 13 to a Chapter 7.

Likewise if your income is too great you might not qualify for a conversion. A Chapter 7 trustee might request an amended Means Test and/or amended Income and Budget schedules.

Finally, if you filed Chapter 13 to protect an asset, like a car that is paid off or you inherited a share of your parent’s home, it could be sold if you convert to Chapter 7.


Many people linger in a Chapter 13 needlessly. You can always talk to your lawyer about your current situation and review your options. You can also ask us to look into your case and give a second opinion.

Robert J Adams & Associates has helped many clients convert their case to a Chapter 7. The cost is low. We have also substituted into cases to help Consumers get the relief they needed.

You can always call us to discuss your problem and discuss your options. Our consultation is Complimentary and confidential

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Robert J. Adams & Associates is a full-service law firm where attorneys with their extensive experience provide effective representation in Bankruptcy cases in Illinois.