The Option of Converting Your Chapter 13 Case into a Chapter 7 One
When deciding between Chapter 7 and 13, if you choose a Chapter 13 payment plan realize that converting later to Chapter 7 is an option.
Making Sense of Bankruptcy: “Converting” from a Chapter 13 Case to a Chapter 7 One
The decision to file a Chapter 13 case may be an easier one if you know that you can always change it into a Chapter 7 one if needed.