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still unclear on several ch 13 issues


myscoresawful
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Ive been reading this post here and there. I currently have a 13, from what I read I should have filed a 7 cause I would have been Mortage ready to buy a house this year ???

I dont think I can convert it to a & now cause I paid off to much of the debt already..

What should I do.. I really want to move.. but the 13 is killing me

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The point I'm trying to make is, even if you file bk today, you won't be able to support yourself so, why file at all?

Wait and make certain that when you file you've got all of your debts covered. For example, copays on medical claims that you can't afford, insurance deductibles,etc. What happens if your car dies and you can't afford repairs and you're stuck with that auto loan on a car that doesn't run?

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