Texas Chapter 13 Hardship Discharge is a type of bankruptcy that is available to individuals who are unable to repay their debts due to a significant financial hardship. This type of bankruptcy allows the filer to pay back a portion of their debts over a three to five-year repayment plan. After successful completion of the plan, any remaining debt is discharged. In order to qualify for a Texas Chapter 13 Hardship Discharge, the filer must meet certain criteria, such as having a regular income and proving that they are unable to repay their debts as they currently stand. Once a filer has met the criteria, they will need to file a petition with the bankruptcy court and provide a detailed list of all their debts and assets. If the court deems that the filer meets the criteria for a Chapter 13 Hardship Discharge, the court will then decide an appropriate repayment plan. There are two types of Texas Chapter 13 Hardship Discharge: general discharge and absolute discharge. A general discharge means that the filer has successfully completed the repayment plan and any remaining balance on the debts is discharged. An absolute discharge means that the filer’s debts are completely discharged without any repayment plan necessary.