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Worcester Hardship Discharge Attorney

Are You Unable to Continue Your Chapter 13 Payment Plan?

At the end of a Chapter 13 repayment plan, the remainder of your nonpriority unsecured debt is discharged. That means you are no longer obligated to those creditors. Most Chapter 13 plans cover a three- to five-year period during which time unforeseen circumstances may arise. If these circumstances are so burdensome as to prevent you from being able to fulfill your obligations under the plan, you may be able to request a hardship discharge from the court. Such a discharge would relieve you of certain unsecured debt.

If you have found yourself in this situation, it is best to seek the services of a knowledgeable attorney. As a Worcester hardship discharge lawyer with extensive experience, I can provide the legal help you need. It has always been my priority to enhance the lives of my clients through effective legal options. I can assess your situation to determine if you are eligible for a hardship discharge and seek this relief through the court on your behalf.

Arrange to speak with a Worcester Chapter 13 bankruptcy attorney about your case; call Morrison & Associates at }.

How to Qualify for a Hardship Discharge

In order to be granted a hardship discharge, you will need to meet three conditions.

These conditions areas follows:

  • You are unable to complete your repayment plan due to a hardship that was not in your control. This type of hardship must be something serious and/or permanent. It cannot be something like a temporary medical problem or a temporary loss of work.
  • The payments you have made so far under the plan amount to what your unsecured creditors would have obtained if you had filed for a Chapter 7 bankruptcy.
  • Your circumstances are so severe that a modification of your plan still would not result in your ability to complete it.

If the court grants you a hardship discharge, only your nonpriority unsecured debts, such as credit card or medical debt, will be fully discharged. Priority unsecured debts will not. Priority unsecured debts are those that are owed to the government or are due based on public policy, such as child and spousal support, certain types of taxes, personal injury settlement debts, or criminal fines.

To learn more about hardship discharge, contact Morrison & Associates at (508) 928-3038 today.

Client Testimonials

  • “Troy is the most professional and knowledgeable attorney for any type of case”

    Ed

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    Kyra

  • “The help he gave me during this difficult time was appreciated more than I could express.”

    Shane

  • “He met with me the day I called and filed in time to save my home.”

    Edwin