Q: Would the shape of my home be just case for a hardship dismissal me and my husband are both seniors on a fixed income we need our house to be safe as it stands right now electrical problem is a pretty big problem
A: That depends on the details of your situation. If you live in a million dollar home and have huge mortgage payments, then the answer is likely no. A court would tell you to give up the house, move into an affordable apartment, and continue making Plan payments. On the other hand, if your house isn't worth much, and your mortgage payments are no larger than what you'd expect to pay in a reasonable apartment, and you don't have other assets, then it's possible that you could get a hardship discharge. One key element is whether your unsecured creditors would get no less than if you had filed a Chapter 7 (i.e., if your non-exempt assets are liquidate and paid to your creditors).
Q: How about taking in my granddaughter does that have any effect on my chapter 13
A: Taking in your granddaughter wouldn't ordinarily affect your Plan, unless you are taking her on as a legal dependent. If that is the case, then you can increase your expenses in Schedule J, which should decrease your available funds for creditors. Thus, your Plan payments could be lower. But even that depends on what is driving your Plan payments: Your secured debt and assets, or your income. Based on what you wrote here today (i.e., fixed income), it sounds like your secured debt and assets drives the Plan payments. If that is the case, then even a new dependent wouldn't likely change your Plan.
Q: also can you tell me how an early payoff would work out do I have to pay 100% or just all of what is in the chapter 13
A: You'd have to pay the remainder of the Plan up front. For example, if you have 30 months of payments to go, at $1000 per month, then you can pay it off early if you pay $30,000 up front. Of course, the key here is that the $30,000 in this example can't come from property owned by the estate (such as your $50,000 inheritance). But if you have a rich relative who wants to pay your Plan off immediately, then it can happen.
I hope that helps. Please remember to provide positive feedback. Thank you!