Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
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Sorry to hear about the situation you find yourself. Yes, you can file a chapter 13 to stay off collection and make payments to your creditors in the interim. You could then convert to chapter 7 after the 8 year mark. However, your court could find that the date of conversion is not what applies and the original petition date of your chapter 13 is what applies. In that case, you would have to dismiss your chapter 13 and then file a new chapter 7 after the 8 year mark.
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