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I am interested in buying a house again. I had previously owned a house and filed Ch. 13 BK, but I lost the house anyway. I disputed the mortgage company on all 3 Credit Reports and it was removed. (I assumed that the mortgage company is no longer in business). However, I was told that it was better for me to convert the Ch. 13 to a Ch. 7 bankruptcy. Once it is discharged/dismissed, I will be able to make a purchase as a first time home-buyer.
Is this true and how long will it take? And, I would like to know how will this conversion affect my credit?