Chapter 20 is, actually, a tongue-in-cheek way of talking about a Chapter 7 that has converted to a Chpater 13 or a Chapter 13 that has converted to a Chapter 7. 13 plus 7 is equal to 20. Often times, it goes form Chapter 7 to Chapter 13 because you may file under a Chapter 7 but there’s some reason you have disposable income. The court will dismiss your Chapter 7 and give you an opportunity to convert. To go in the reverse, some file a Chapter 13 to save a house or other assets. Then, an event occurs where they lose their job and they don’t have the disposable income any longer. Then, they convert it to a Chapter 7.
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