I filed chapter 13 4 yrs ago. got late on house payments they lifted the automatic stay i didnt get the chance

to go to court. so i called mortgage company and made payment arrangements. because this is such a strain on me. is it time to covert my chapter 13 to a 7? or should i try for a hardship loan from my 401k fund. the mortgage company tacked on quite a few fees totaling 7000 dollars.