I will preface this by saying I haven't been completely smart with my credit and my history proves it. When I divorced in 2004 I was forced to file Chapter 7. It was discharged in May of 2004. In 2006 I was out of work for a period of time and lived off my credit cards racking up huge amounts. The attorney I hired had me file a Chapter 13 and that was filed in January 2008. When I got to my confirmation hearing in March of 2008 just before we left the Trustee stated to my attorney, "Your client understands she wont get a discharge". I wasn't sure what that means. I asked and he said because it was 3 months shy of the 4 years between the 7 and 13 I am not entitled to a discharge. When I confronted the attorney on how I could be misled by such a huge issue he said "well after that amount of time nobody will come after you, and even so you can roll it over to a Chapter 7.
I am really concerned, I am in my 2nd year of payments and I don't want to make all these payments just to have all the credits come after me. The only thing being paid currently is my car.
I don't know where to turn, I am sick to death of the bankruptcy and have my credit be in the tank and trying to rebuild everything.
Does anyone know can I "convert" this to a Chapter 7. I have not heard of this before.
Thanks for any help.
