Can you file for 13 and switch to 7 later? Are you required to present joint accounts & assets if the debtsd are individual?

Yes, you can convert to  Chapter 7 case at any time, assuming you are eligible to be in a Chapter 7 case (based on budget and other criteria).   As to your asset question, I'm not sure I understand it.  You are require to list all assets and all debts that you have any interest in.  That obviously includes joint accounts and other assets. Mark J. Markus, Attorney at LawCertified Bankruptcy Law Specialist--State Bar of California Board of Legal SpecializationHandling exclusively bankruptcy law cases in California since 1991.http://www.bklaw.com/bankruptcy blog: http://www.bklaw.com/bankruptcy-blog/Follow Me on Twitter:  @bklawr