Presumption of Undue Hardship Vermutung einer unangemessenen Härte Presumption of Undue Hardship Presunción de Dificultad Excesiva Presunción de Dificultad Excesiva Présomption de difficultés excessives הנחת קשיים בלתי סבירים अनुचित कठिनाई का पूर्वाभास 過度な苦難の推定 Presunção de Dificuldade Excessiva 不当困难推定 A legal assumption that a debtor cannot repay their debts without experiencing significant hardship, which may be used as a defense in bankruptcy proceedings.