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	<title>Bankruptcy FAQ - Frequently Asked Questions &#187; Chapter 13 &#8211; Discharge Exceptions</title>
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	<link>http://sanantoniobankruptcyattorneylawyerinformation.com/faq</link>
	<description>by Alex Wathen, Board Certified Consumer Bankruptcy Law - Texas Board of Legal Specialization</description>
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		<title>Getting a Chapter 13 discharge without completing your payments</title>
		<link>http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/05/06/getting-a-chapter-13-discharge-without-completing-your-payments/</link>
		<comments>http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/05/06/getting-a-chapter-13-discharge-without-completing-your-payments/#comments</comments>
		<pubDate>Wed, 06 May 2009 17:29:00 +0000</pubDate>
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				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 13 - Discharge Exceptions]]></category>
		<category><![CDATA[Plan]]></category>

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		<description><![CDATA[If you could not complete the payments for reasons that you should not &#8220;justly&#8221; be held accountable you may be eligible for a hardship discharge.  It is also necessary to prove that the actual amounts paid out by the Chapter 13 Trustee is at least as much as in a Chapter 7 and that it [...]]]></description>
			<content:encoded><![CDATA[<p>If you could not complete the payments for reasons that you should not &#8220;justly&#8221; be held accountable you may be eligible for a hardship discharge.  It is also necessary to prove that the actual amounts paid out by the Chapter 13 Trustee is at least as much as in a Chapter 7 and that it is not practicable to modify the plan.</p>
<p>If you can prove these prongs up, then the judge may but is not required to give you a hardship discharge.   A hardship discharge is not quite as broad as a Chapter 13 discharge, as debts not dischargeable in Chapters 7, 11, or 12 are not dischargeable in a Chapter 13 hardship discharge.</p>
<p>It is usually much better to get a hardship discharge if you cannot make the payments than converting to Chapter 7.  A hardship discharge still counts as a Chapter 13 discharge for purposes, so if you refile a new Chapter 13 at least two years from the filing date of this case, or a Chapter 7 at least six years out you will be eligible for a discharge in the new case.  Especially in Chapter 13 where most plans are at least three years long, a two year filing to filing waiting period is not much of a problem.</p>
<p>Additionally, if you have fallen behind on child support during the Chapter 13 you can still be eligible for a hardship discharge, as long as you still meet the standard.</p>
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