My Husband Passed Away and I’m a Chapter 13 Bankruptcy. – Alicia

“Dear Damon,

My husband passed away Febuary 16 of this year and was very sickly all of 2012 with leukemia and when he got sick lost his job 2 month after finding out he was sick. Money situation got bad he was able to get long term disability insurance it helped with some of the bills but it was not enough for all the bills and we started getting medical bills we have already filed a banklrupcy chapter 13 did so right before my husband got sick but he lost his wages when he lost his job after he got sick so situation changed. Then he died Febuary 2013 which really made the money situation bad becuse i lost the income of long term disability insurance that was coming in while he was alive now only have a pension from a job i retired from in 1998. I am able to pay Court fees right now but one of my bills are not getting paid rigtht becuse im trying to pay the court fee.

My question is im in a chapter 13 bankrupcy right now and was thinking becuse of my money situation of changing from a chapter 13 to a chapter 7 but do not want to lose my home and car is there anyway if i change from a chapter 13 to a chapter 7 I will be able to keep my home and car?

Alicia”

Hello Alicia,

I am very sorry to hear of your husbands passing. The pain of losing a loved one is often compounded by additional financial burdens.

The answer is yes, there are ways to convert your 13 to a 7 when your circumstances have radically changed. Whether or not you can keep your house and your car in a 7 will depend on the exemptions available to you. So the best thing for you to do right now is to contact your bankruptcy attorney that filed the chapter 13 and ask about that option.

If for some reason you prefer not to do that and want another opinion (I only mention it because they weren’t the first person you called for a bankruptcy question like that) You can click on the big blue buttons on the top right of this website to find a local bankruptcy attorney to speak with.

Please report back and let us know what you find out from the bankruptcy attorney.

Damon is a talented independent debt coach that provides in-depth assistance and consultations for people struggling with debt. If you want a personal debt coach to help you through a difficult situation or want assistance to find secret discounts offered by debt settlement companies I think Damon Day is an excellent person to contact for advice and assistance. He can be reached directly at DamonDay.com

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