Today, he can pay that debt, and he is talking of hiring an attorney to pay back his creditors in full, with no discounts. His entire debt was discharged in 1999. Can my father change his chapter 7 to a chapter 13, since he is going to repay his creditors, and therefore get the BK behind him sooner? His bankruptcy attorney told him two years ago that a chapter 7 would stay on his record from 7 to 10 years. The law seems to say 10 years, fixed. So his attorney lied to him. Is that a possible loophole to go chapter 13 now? Thanks in advance for a response.