Lilburn, GA Bankruptcy Law Firms & Lawyers

You can convert a Chapter 13 case to a Chapter 7 case at any time if you are eligible for Chapter 7. Since there are certain debts dischargeable in Chapter 13 and not Chapter 7 you need legal advice as to whether that would be the right thing to do in your case. Most importantly, if you are not eligible for a Chapter 7 discharge then there would be no reason to convert the case since the only purpose for a Chapter 7 is to obtain a discharge. If you received a Chapter 13 discharge already because of the 2007 case you filed you might not be eligible for yet for a Chapter 7 discharge. Hopefully you have a lawyer that should be giving you advice and to whom you should be addressing your questions. This is just very general information

Your attorney should discuss conversion of the case to a Chapter 7, or Motion to withdraw the filing altogether. There are too many facts unknown to give any advice.

You probably have a few more options than you think. 1. You most likely were served with a civil summons-this means a creditor is suing you. You can choose to respond but you probably only have 30 days to file a written answer with the court. Check the paperwork to confirm the deadline for filing a response. Then call or visit the courthouse's self help center they can assist you in filing the answer and filling out a claim of exemption to protect your assets. If you respond by generally denying everything, this means you are putting the creditor to their burden to prove the facts of their case. This also buys you a bit of time so you can figure out what to do. 2. You should go consult with a bankruptcy attorney. We all offer free consultations. If you owe other debt, a bankruptcy might help you to eliminate all the debt and you won't even have to file a response, the bankruptcy will stop the lawsuit. 3. You can choose to do nothing. Some people are what we call judgment proof. This means even if the creditor were to get a judgment against you, they can't collect. This would only apply if you had a low amount of assets, no job and no money. You said you are low income this probably means you have a job so if you do have a job & the creditor wins at trial or by default the creditor can garnish up to 25% of your pay check each pay period until the debt is paid in full. If you own property they could record a lien against it or if you have bank accounts they could get levied.