Kentucky Chapter 12 Hardship Discharge is an option for individuals facing extreme financial hardship who are unable to pay their creditors. It allows them to discharge most or all of their unsecured debts and obtain a fresh start financially. In order to qualify for this type of bankruptcy relief, the debtor must prove that they are unable to pay their debts due to their current financial circumstances. This option is only available to those who have experienced significant financial hardship as a result of unemployment, medical expenses, or other events, and cannot pay their debts in a reasonable amount of time. There are two types of Kentucky Chapter 12 Hardship Discharge: Total Hardship Discharge and Partial Hardship Discharge. A Total Hardship Discharge will discharge all the debtor’s unsecured debts, while a Partial Hardship Discharge will only discharge some debts.