Despite your best efforts, you may fail to meet your obligations in Chapter 13 bankruptcy. If this happens, you may be able to get a hardship discharge, which is simply a discharge you get before meeting all the original requirements of your bankruptcy case. However, a hardship discharge isn't a walk in the park; you have to meet all these three conditions:
Modifying Your Plan Isn't Feasible
The first thing the court expects you to do when your financial situation takes a turn for the worse is to petition for a plan modification.