You are in way over your head. Pro se cases almost never go well. An improper conversion could be financially catastrophic. If you wait until after a hearing about a dismissal, it's too late. And since you have failed to comply with a court order (and why would you conceal a tax return), any chapter 7 you file will also likely be dismissed. The fact that you do not understand that being paid 2 or 3 times in a month does NOT change your monthly income at all also shows how deep you are in trouble. You are actually receiving 2.3 paychecks a month. I gather you don't understand the multiply by 26 then divide by 12 math that you must use. Note that if you were previously ineligible for a 7 a conversion may draw a bad faith challenge, and you may also need to consider post petition modification. In other words, before you make a real mess, get a real lawyer.
Answered on Feb 02nd, 2012 at 10:49 AM