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.
Louisville Bankruptcy Explained: “Conversion” from Chapter 7 to Chapter 13
The ability to convert to a Chapter 13 case can be extremely important if something unexpected happens soon after filing a Chapter 7 case.
The Basics: How a Chapter 7 Case is Completed
Before getting into something, you should know how to get out. Like what it takes to successfully finish a Chapter 7 bankruptcy case.
Changing Your Mind After Filing Under Chapter 7 or Chapter 13
You have some wiggle room if you either want to get out of your bankruptcy case or change to the other Chapter.