Thank you for your question. I am happy to assist you.
It appears that if you lose your part time job and thus meet the Chapter 7 means test, that you can convert to a Chapter 7. There would not be monthly payments required in a Chapter 7. Most unsecured debt would be discharged (wiped out).
In Massachusetts, if you choose the federal exemption list, it appears the you could exempt your car. To do this you would exempt $2,775 of the vehicle under your motor vehicle exemption and you may apply your wild card exemptions to increase the motor vehicle exemption by $9650 representing the wild card exemptions of $925 of any property and $8,725 of unused homestead exemption, for any property
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