Q: I filed chapter 13.My hearing is in 3 weeks. Thing is I don't want to pay 5 yrs....can I change my mind.what will happen
A: Section 1307(b) states that on request of the debtor at any time… the court shall dismiss a case under this chapter.
If you don't pay out the whole plan....5 years or fewer as the case may be...you won't be discharged. If you qualify in the means test you can do a 7 and its over in about six months.
Some firms push the Chapter 13 because it yields more revenue for them and assures their payment over time when you cannot pay the fees and costs out front.
If you haven't seen a good bankruptcy lawyer, then go see one.
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