Can I convert from a Chapter 13 to a Chapter 7 or from a Chapter 7 to a Chapter 13 in Pennsylvania?

Yes, you can convert either way, provided you meet some requirements.

You can convert a Chapter 13 to a Chapter 7 at any time provided you have not already received a Chapter 7 discharge within the last eight years. You file a notice of conversion with the court and pay a conversion fee. Also, in order to do this, you must still qualify for Chapter 7 to complete your case to discharge.

It is fairly easy to convert a Chapter 7 to a Chapter 13. You must file a motion requesting the court’s permission, send the motion to all creditors, the trustee and any other parties that may be interested, and go to a short hearing. If there are no objections, things usually proceed.

There are some situations where you cannot convert from a Chapter 7 to a Chapter 13 and they include:

  • You are not qualified for a Chapter 13 bankruptcy
  • You already converted your case from another Chapter
  • You acted in bad faith, such as attempting to hide assets

At Placidi, Parini, Grasinger & Page, we walk you through all the choices that are available to you based on your financial situation. We understand how difficult it is to file bankruptcy and make sure you understand all the options open to you to move forward.

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