The Western District of Texas has a 62.6% Chapter 13 dismissal rate. Converting to Chapter 7 before dismissal gives you a discharge instead of nothing. Texas advantages in Chapter 7: unlimited homestead, vehicle exemption, no state income tax.
Yes. Absolute right under section 1307(a) if not previously converted from Chapter 7. Fee is $25. Must pass means test.
Yes. One-time right under section 706(a). Must have regular income and debts under $2,750,000.
Undistributed trustee funds are returned. Payments already sent to creditors cannot be recovered.
The W.D. Tex. has a 62.6% Chapter 13 dismissal rate. Converting before dismissal gives you a discharge.