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A: It may be possible to modify your Chapter 13 bankruptcy plan payments or file a Motion for Moratorium depending on the amount of time you will be out of work or on a reduced income. Unfortunately, not all clients may be eligible for a modification.
If you cannot complete your Chapter 13 repayment plan, you can file a motion with the bankruptcy court asking for a hardship discharge. Converting Your Bankruptcy Case From Chapter 13 to Chapter 7 In cases where you can no longer maintain your Chapter 13 bankruptcy plan payments, your case can be converted to a Chapter 7 and your debts discharged.