You can convert your Chapter 13 case to a Chapter 7. This could happen for a number of different reasons. Sometimes clients are intent on giving it a go in a Chapter 13 and making payments to save a house or save other assets, and after awhile on the plan, they can't afford to do it any longer. The law allows you to change that Chapter 13 case, convert it, over to a Chapter 7. When you do that, a Chapter 7 trustee gets appointed, and it runs like a normal Chapter 7 case, and you get your discharge shortly thereafter.