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File On Time. Filing a claim on time is important, so know the deadline or bar date. The bar date is similar to a statute of limitations (time limit to bring a legal claim). The bar date for filing a proof of claim is within 90 days of the first date set for the meeting of creditors in a bankruptcy case.
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.