Plan Modification -- Section 1329
Courts expect you to attempt modification before seeking hardship discharge. Adjust payments, extend the term, reduce unsecured distributions.
Conversion to Chapter 7
Convert to Chapter 7 for immediate discharge of unsecured debts. But you lose Chapter 13 benefits: mortgage cure, codebtor stay, cramdown.
Voluntary Dismissal
End the case entirely. Debts return in full. Creditors resume collection. Be aware of Section 362(c)(3) reduced stay if you refile within one year.
Learn more about Chapter 13
Chapter 13 Plan Guide