Vermont Chapter 13 Hardship Discharge is a process that allows a debtor to have their remaining debts discharged without having to complete their Chapter 13 repayment plan. This type of discharge is only available in certain circumstances, such as when a debtor has encountered an unforeseen financial hardship, and their ability to make payments under their repayment plan has been significantly impaired. Depending on the jurisdiction, there are two types of hardship discharge that may be available: an individual hardship discharge and a “hardship discharge for cause.” An individual hardship discharge is available when a debtor can no longer meet the requirements of their repayment plan due to circumstances beyond their control. A hardship discharge for cause is available when a debtor has been unable to make payments due to circumstances beyond their control, such as a disability or job loss. In either case, the debtor must demonstrate that they have acted in good faith by providing the court with documentation showing that they have made a good faith effort to make their payments as required by their repayment plan.