Creditors do not dismiss debt due to the fact that the debtor is unable to pay. This does not necessarily indicate the lender is unsympathetic, it is simply the way business is done. Some creditors will work with a consumer to perhaps lower interest rates, lower payment amount, allow the debtor to pay only interest on the account, and so forth. Such actions are generally have a specified time limit. Hardship dismissals are adjudicated at the discretion of the court and usually pertain to student loans rather than credit card or other such debt(s).