If the spouse making the majority of the income got laid off and her last day is November 23rd, what would be the best course of action for filing Chapter 7
The couple in question made way too much over the last six months... would they need to wait to qualify under the means test
before the husband filed Chapter 7, or could he file Chapter 13 and convert it into Chapter 7 once they qualified via income?
Based on their average monthly income, it would take about 3 months of zero income from the wife for them to qualify under the means test, but in the interim, the husband has a house in foreclosure, an HOA suing him and an ex who is garnishing his wages
from a $7000 loan that ballooned into a $31k final judgment ($17k is from attorney fees alone which seemed high in and of itself.)
Is Chapter 13 ---> Chapter 7 possible and like a Chapter, would the garnishment
stop at all during the initial filing period? Meaning, could he buy himself 90 days by filing CHapter 13 to stay the wage garnishment allowing his income to dwindle and allowing him to qualify for Chapter 7.