A creditor cannot try to negotiate a settlement after debtor files for BK but can a debtor?

You are asking multiple questions, some of which may depend upon specific facts. I'm not sure what the expert witnesses have to do with your...

Can I convert my chapter 13 to a chapter 7?

As Attorney Gist pointed out you cannot file a chapter 7 until 8 years after your last chapter 7 was filed. As the date of the filing governs the...

The means test looks at you income from all sources, exempt our not, (except SS) to determine if you have sufficient excess income to fund a...

Personal Chapter 11

Yes, if you are paying an attorney you need court approval to hire and pay the attorney. Whether any attorney is willing to give you advise but...

I had 2 credit card companies file a judgment against me. Target 2009 citibank in may 2010. I filed ch 7 in October 2010

I am assuming that when you filled you did not own the property: that you are just now purchasing it. If so, there is no lien. Talk to your title...

I have a lot of debt and I need help. Unsecured and secured

As stated by other counsel above, a chapter 13 can delay the foreclosure to provide you time to refinance or modify the loan. As you clearly have...

Does this need to be reported to bankruptcy trustee?

Yes this needs to be disclosed if your wife is the beneficiary of the policy. Whether it's exempt depends upon what you claimed our were entitled...

Does a Chapter 13 Bankruptcy filed August 2012 prevent a current employee from filing an overtime claim against the BK employer?

It sounds like you started working for the debtor about the same time as he filled ch 13. Assuming that to be the case, your postpetion claim for...

I reaffirmed my car loan but the judge denied can i give the car back and when is it to late ?

To the contrary. You attempted to reaffirm, presumably on the same terms as the original loan. Many judges will deny such reaffirmations because...

As stated by other counsel: it all depends. There are a number of factors that can go into a challange as to the dischargability of debt from a...