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Hi, about a year and a half ago my husband and I had to file a chapter 13 in order to keep our house. In May I lost my job and have been juggling bills in order to make things work. Well, about 2 weeks ago I talked to my lawyer and I am now 2 payments behind on our house and he told me he would file a motion of stay. I have not heard anything back from him since. I called 2 days ago and left a message but still nothing. Since our bankruptcy started we have accumulated an extra $225.00 in extra monthly payments with paying the trustee and due to our interest rate going up. We really need to refinance but cannot because our 80,000 house is now worth about 50,000 if we are lucky. I just feel like I keep running into a wall on our finances. My husband works for the state and after taxes and insurance brings home $1999.00 every month. After all our monthly bills, house, car auto insurance, utilities, we are way over what he brings home. Mind you this does not even include groceries and gasoline. We have to have food, we have 3 kids. I have looked for a job since May and the only thing I have gotten is a on call job through the school cafeteria. It only pays 7.00 an hour before taxes and is only 3 hours everytime I am called in. I guess my question is, is there any programs out there that can help us with our house being refinanced, and if so can you let me know? Should we and can we maybe convert to a chapter 7 and if so could we still keep our home? How would this work if this is an option? Thank you for any advice, it is greatly appreciated.In our case, my wife and i have been unemployed for medical problems. my wife is currently receiving disability. i receive a military retirement check however 85% of it goes towards the chapter 13. It is difficult to live on just disability alone and have exhausted our savings. we have about one and a half yrs left on our bankruptcy. can i request that i stop making payments temporarily until i find new employment,? should i request chapter 7.