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Will a hardship plan hurt my credit?

Short answer

It depends on the lender and plan. Ask how it will be reported. A plan usually hurts less than missed payments.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

CFPB: trouble paying debtsconsumerfinance.gov
HUD: find a housing counselorhud.gov
FTC consumer advice: debt relief scamsconsumer.ftc.gov