Chapter 13 Bankruptcy is Difficult Under Ideal Circumstances to Discharge

That happens more often than you would think. There are a lot of low profilers who frankly got out of the Chapter 13 for whatever reason. Chapter 13 is very difficult under the ideal circumstances to make it all the way through to discharge, because your financial situation basically has to remain stable for five years. And some times, that just doesn’t happen, as people lose jobs and credentials go up, I mean gas is always going up, isn’t it? You know things just happen that people can’t control. But there is a way to convert the case from a Chapter 13 to Chapter 7, if you find that you just cannot make the plan payment, (I actually had a conversation with a client today about this) then you can convert the Chapter 13 to Chapter 7 to get a discharge but it will be a Chapter 7 discharge.