bankruptcy, how am I not understanding?

[freemkt]

Originally Posted by j_k_k

I always laugh when people begin conflating law or contracts with morality or justice. I picture the first-year law prof upon the outraged young student's 'But there's no justice in that!': "Would someone please kindly help this poor lost young lady. She was evidently taking a course in justice, and by mistake, has wandered into a course in the law." 'There's no justice in that' is my second favorite derisive-snort-generator behind 'They can't do that!'

Morality and justice are things that happen between people who don't really need contracts in order to do what's right thing. For everyone else, there are contracts and law.

Contracts are about what you can get away with, and law is about enforcing said contracts.

It is no accident that the poor do not write contracts or that the people who write contracts are considerably more affluent than the people to whom they are extended.

[Rowan123]

Originally Posted by cyrano

No. A BK debtor can convert from a 13 to a 7 at any time (11 USC 1307, I believe) unless the debtor has received a chapter 7 discharge within the prior 8 years. This assumes that the debtor would qualify under the income testing required for filing a 7.

Thanks for clarifying, I had forgot about conversion. The point I was trying to make is that you can't have two cases pending at the same time.