Filing the Motion
File a motion with the court explaining why you cannot complete payments. Include evidence: medical records, termination letter, death certificate, or disaster documentation.
You bear the burden of proof on all three requirements under Section 1328(b).
The Hearing
The trustee and creditors can object. Common objections: modification is still feasible, best interest test not met.
The best interest test requires that unsecured creditors received at least what they would have gotten in a Chapter 7 liquidation.
Learn about Section 1328
Section 1328 Guide