If you have filed for Chapter 13 bankruptcy, you may be wondering if it is possible to get a discharge earlier than expected. The answer is yes, but it is not an easy process. In this blog post, we will discuss the conditions under which you can get a Chapter 13 discharge early and the steps you need to take.
Conditions for Early Discharge
The conditions for getting an early discharge from Chapter 13 bankruptcy are quite strict. You need to meet one of the following conditions to be eligible for early discharge:
1. Completion of the Payment Plan: You must have completed all your payments under the Chapter 13 payment plan. This means that you have paid off all your debts, including secured and unsecured debts, as per the terms of the payment plan.
2. Hardship Discharge: You may be eligible for a hardship discharge if you can prove that you are unable to continue making payments due to circumstances beyond your control, such as a loss of income or disability.
3. Early Discharge for Certain Debts: You may be able to get an early discharge for certain debts that are not included in the payment plan, such as tax debts, student loans, or child support payments.
Steps to Get an Early Discharge
If you think you meet any of the above conditions for early discharge, you need to take the following steps:
1. File a Motion: You need to file a motion with the bankruptcy court requesting an early discharge. You may need to provide evidence to support your motion, such as proof of completion of payment plan, evidence of hardship, or documentation of the non-payment of certain debts.
2. Attend a Hearing: The court will schedule a hearing to review your motion. You will need to attend the hearing and provide any additional information or evidence requested by the court.
3. Wait for the Court's Decision: The court will review your motion and make a decision on whether or not to grant an early discharge.
Contact Our Chapter 13 Bankruptcy Lawyer
Getting an early discharge from Chapter 13 bankruptcy is not an easy process, but it is possible if you meet the conditions outlined above. If you are struggling with your Chapter 13 payment plan or facing financial hardship, it may be worth considering an early discharge. Contact Erin B. Shank, PC, for more information on Chapter 13 bankruptcy and early discharge options.
Take the first step to defeating debt by getting honest advice from a trusted Killeen & Waco bankruptcy lawyer. Flexible payment options are available, so call (254) 690-4110 or contact the firm online today.