LostInDallas214 asked:


I currently am in Chapter 13 (as of March 2007). I have had my meeting with creditors, as well as set up a payment plan. I was wondering a few things:

1. I pay 90.00/mth to my trustee for 36 months. I would like to pay it all off. Could I pay early without a penalty?

2. I also want to know if I could change it from a Ch. 13 to a Ch. 7 liquidation, and if so, what can I expect?

3. If I let my Chapter 13 get dismissed, could I possibly just go through Debt Relief and if so, will it still show up on my credit?

Any help? Tips? What is my best option?

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