Answered on Sep 12th, 2013 at 10:17 AM
You can convert your chapter 7 to a chapter 13. It is not clear why you would have filed a chapter 7 if you have 15K in cash that is apparently not exempt. What is the source of that money? You can only get a bankruptcy discharge once every 8 years, as a general rule. So re-filing in less than that time is not usually advisable. If you have already filed the chapter 7 you cannot use that 15K in cash. Be cautious so as not to put your discharge in jeopardy. Conversion to a 13 may be an option, especially if your attorney recommended it already.