When there has been a significant change in circumstances since the Chapter 13 was filed, most people are able to convert from a Chapter 13 to a Chapter 7 For example, the most common cause of converting from a Chapter 13 to Chapter 7 is the loss of a job. Another is example is a major increase in monthly expenses. In order for me to give you a definitive answer to this question, I need to review your case with you.
There are some instances where it might be a bad idea to convert. For instance, a person who has a large amount of equity in their house that is not protected by the Georgia bankruptcy exemptions may not want to convert to Chapter 7 If a person in this type of situation converts, the Chapter 7 trustee will put their house on the market and will sell it if she can find a buyer. Most bankruptcy debtors in this type of situation will usually voluntarily dismiss their Chapter 13 to keep the case from going into Chapter 7
There are many factors that go into deciding whether or not a Chapter 13 case should be converted to a Chapter 7 Each case is different. Any person who is considering this option should meet with their attorney who filed the case and review the entire situation.