Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How do you convert a Chapter 13 bankruptcy to a 7 in Oklahoma? - How do you convert a Chapter 13 bankruptcy to a 7 in Oklahoma if you dont qualify or make too much to do a 7? I may have to do a 13 soon but Im concerned with what I read about people not being able to make their payments to the trustee.