The Kentucky Chapter 13 Certification of Debtor Information Regarding Request For Hardship Discharge is a form used by Chapter 13 debtors to request a hardship discharge from their bankruptcy case. This form must be completed and submitted to the court before the debtor can receive a hardship discharge. The form requires the debtor to provide information about their financial situation, including income, assets, debts, and expenses. It also requires the debtor to attest to having made a good faith effort to repay their debts. There are three types of Kentucky Chapter 13 Certification of Debtor Information Regarding Request For Hardship Discharge forms: 1. Form B-84-C: This form is used to request a hardship discharge for individuals who have completed their Chapter 13 repayment plan and are unable to make further payments due to a change in circumstances. 2. Form B-86-C: This form is used to request a hardship discharge for individuals who have not completed their Chapter 13 repayment plan and are unable to make further payments due to a change in circumstances. 3. Form B-88-C: This form is used to request a hardship discharge for individuals who have not completed their Chapter 13 repayment plan and are unable to make further payments due to circumstances beyond their control.
Kentucky Chapter 13 Certification of Debtor Information Regarding Request For hardship Discharge
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FAQ
Courts can issue a discharge ruling when the debtor meets the discharge requirements under Chapter 7 or Chapter 11 of federal bankruptcy law, or the ruling is based on a debt canceling. A canceling of debt happens when the lender agrees that the rest of the debt is forgiven.
A Debt Release Letter is a letter written by a creditor to a debtor when their debt has been recouped in full. It establishes that a financial obligation no longer exists between the creditor and debtor.
Terminology can get confusing because "hardship" and "dependency" discharges are often both loosely labeled "hardship." Specifically, a hardship discharge is when the financial needs of family member(s) require more than the military member can provide while remaining in the military.
Some examples of dischargeable debts in Chapter 13 include credit card debt, medical bills, utility bills, and personal loans. Unsecured Debts ? Unsecured debts are not linked to any collateral, such as utility bills and medical bills.
Hardship vs Dependency. Terminology can get confusing because "hardship" and "dependency" discharges are often both loosely labeled "hardship." Specifically, a hardship discharge is when the financial needs of family member(s) require more than the military member can provide while remaining in the military.
To qualify for a hardship discharge, the change in your circumstances must not be your fault. Also, you must typically show that a serious and permanent reason or condition prevents you from completing your plan, such as a life-changing medical condition that arose after filing your case.
The Chapter 13 Hardship Discharge After confirmation of a plan, circumstances may arise that prevent the debtor from completing the plan. In such situations, the debtor may ask the court to grant a "hardship discharge." 11 U.S.C. § 1328(b).
To obtain the hardship discharge the debtor must first show an inability to continue making the scheduled Chapter 13 plan payments. In other words, something has happened to you financially that reduced your income or ability to pay your creditors. The change in finances must be beyond the debtor's control.