If the debtor cannot make a chapter 13 payment on time according to the terms of the confirmed plan, the debtor should contact his or her attorney, if represented, or the Chapter 13 trustee to explain the problem. Under certain circumstances, the Chapter 13 trustee may agree to allow the debtor to catch up on the missed plan payments.  Significant changes in the debtor’s circumstances may require that the plan be amended by motion of the debtor.  The debtor may also be able to seek a temporary stay of plan payments by filing a motion for a moratorium.  The debtor may also seek an order for a hardship discharge to obtain a limited Chapter 13 discharge and end the Chapter 13 case if certain criteria are met.  If the problem in payment is permanent and the debtor is no longer able to make payments under the plan, the trustee may request that the Bankruptcy Court dismiss the case or convert the case to one under another chapter.