You might not think that a visit to a dry cleaner would give rise to insight about Chapter 7 and Chapter 13, but I was reminded of several very relevant issues while chatting with the two women who worked behind the counter. I have been a customer of this laundry service for several years and the staff people know that I am a bankruptcy lawyer. While waiting for my order, one of the counter clerks mentioned that she was currently in a Chapter 13, but that she was trying to dismiss it because she could not afford the payment She stated that she had filed her case because she had overwhelming debt and that her attorney â€œhad given me one price, but three weeks later, the price went way up.â€ Further, she called the attorney to ask him to â€œcancel my caseâ€ but the attorney said that it would take three days to process a dismissal. She wanted to dismiss to avoid another payroll deduction. I asked her if she was trying to protect a car or a house by filing Chapter 13, and she replied that she was not - she filed Chapter 13 because her attorney advertised that she could â€œstart bankruptcy protectionâ€ for less than $100 and she did not have the $1,300 it would have cost to file Chapter 7.