Wisconsin Chapter 12 Hardship Discharge is a type of bankruptcy filing that allows individuals with overwhelming debt to obtain a court-approved discharge of their debts. This type of bankruptcy provides individuals with the opportunity to restructure their debt and repay it over a period of time in an amount that is affordable to them. There are two types of Wisconsin Chapter 12 Hardship Discharge: Straight Bankruptcy (Chapter 7) and Repayment Plan (Chapter 13). Straight Bankruptcy (Chapter 7) is used for individuals who are unable to pay their debts in a timely manner. This type of discharge eliminates all the debtor’s unsecured debts, such as credit card debt, medical bills, and personal loans. However, this type of discharge does not discharge secured debts, such as auto loans, mortgages, and student loans. Repayment Plan (Chapter 13) is used for individuals who have the ability to pay back some or all of their debts. This type of discharge allows individuals to create a repayment plan that is approved by the court. Under this type of discharge, the debtor must make monthly payments to the court-appointed trustee, who then distributes the payments to the creditors. The repayment plan must be approved by the court and the debtor must adhere to the plan in order to receive the discharge.