Circumstances Beyond Your Control
Job loss (not voluntary resignation), serious illness or disability, death of a spouse, natural disaster, incarceration. The failure to complete must be due to circumstances for which you should not justly be held accountable.
What Usually Does NOT Qualify
Temporary setbacks generally do not qualify. Courts expect you to try plan modification first.
Voluntary lifestyle changes, poor financial decisions, and failure to look for work are unlikely to meet the standard.
Explore plan modification
Chapter 13 Plan Guide