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	<title>Bankruptcy FAQ - Frequently Asked Questions &#187; Plan</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>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 13 - Discharge Exceptions]]></category>
		<category><![CDATA[Plan]]></category>

		<guid isPermaLink="false">http://sanantoniobankruptcyattorneylawyerinformation.com/faq/?p=8</guid>
		<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>
<div id="crp_related"><h3>Related Posts:</h3><ul><li><a href="http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/07/18/chapter-13-has-an-undeserved-bad-rap-it-is-actually-a-very-good-option/" rel="bookmark" class="crp_title">Chapter 13 has an undeserved bad rap, it is actually a very good 	option</a></li><li><a href="http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/05/21/bankrutcy-after-the-creditors-meeting-in-chapter-7/" rel="bookmark" class="crp_title">Bankrutcy &#8211; after the creditors meeting in Chapter 7</a></li><li><a href="http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/06/14/avoiding-recent-credit-card-charges-and-cash-advances-before-bankruptcy-filing/" rel="bookmark" class="crp_title">Avoiding recent credit card charges and cash advances before bankruptcy filing</a></li><li><a href="http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/05/17/there-are-actually-two-different-credit-counseling-requirements-in-order-to-file-both-before-and-after-filing/" rel="bookmark" class="crp_title">There are actually two different credit counseling requirements in order to file both before and after filing</a></li><li><a href="http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/06/10/chapter-7-bankruptcy-discharge-without-passing-the-means-test/" rel="bookmark" class="crp_title">Chapter 7 bankruptcy discharge without passing the means test</a></li></ul></div>]]></content:encoded>
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		<item>
		<title>Chapter 13 can last less than 3 years</title>
		<link>http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/05/06/chapter-13-can-last-less-than-3-years/</link>
		<comments>http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/05/06/chapter-13-can-last-less-than-3-years/#comments</comments>
		<pubDate>Wed, 06 May 2009 05:52:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Plan]]></category>
		<category><![CDATA[Chapter 13 plan length short]]></category>

		<guid isPermaLink="false">http://sanantoniobankruptcyattorneylawyerinformation.com/faq/?p=5</guid>
		<description><![CDATA[If all creditors are paid in full or the means test dictates less money paid to creditors, then a Chapter 13 plan can be less than three years. One approach is to attack the claims filed by debt buyers who cannot prove ownership of their claims. It is possible to have a short plan if [...]]]></description>
			<content:encoded><![CDATA[<p>If all creditors are paid in full or the means test dictates less money paid to creditors, then a Chapter 13 plan can be less than three years.  One approach is to attack the claims filed by debt buyers who cannot prove ownership of their claims.  It is possible to have a short plan if these objections are successful.  This is how you may end up with a short Chapter 13 bankruptcy plan.</p>
<div id="crp_related"><h3>Related Posts:</h3><ul><li><a href="http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/06/12/bankruptcy-means-test-make-sure-you-have-at-least-two-cars/" rel="bookmark" class="crp_title">Bankruptcy Means Test &#8211; make sure you have at least two cars</a></li><li><a href="http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/07/18/chapter-13-has-an-undeserved-bad-rap-it-is-actually-a-very-good-option/" rel="bookmark" class="crp_title">Chapter 13 has an undeserved bad rap, it is actually a very good 	option</a></li><li><a href="http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2009/05/06/getting-a-chapter-13-discharge-without-completing-your-payments/" rel="bookmark" class="crp_title">Getting a Chapter 13 discharge without completing your payments</a></li><li><a href="http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2010/04/03/supreme-court-rules-that-chapter-13-plans-that-discharge-student-loans-are-binding-even-if-there-were-legal-errors-in-the-process/" rel="bookmark" class="crp_title">Supreme Court rules that Chapter 13 plans that discharge student loans are binding even if there were legal errors in the process</a></li><li><a href="http://sanantoniobankruptcyattorneylawyerinformation.com/faq/2010/01/20/do-make-charitable-donations-before-and-during-your-bankruptcy/" rel="bookmark" class="crp_title">Do make charitable donations before and during your bankruptcy</a></li></ul></div>]]></content:encoded>
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