Chapter 13 Bankrtupcy and Chapter 7 Bankruptcies are really for two difference circumstances.  When a debtor simply has too much debt, but little property, then (if eligible) a Chapter 7 Bankruptcy may be the best ticket to relief.  However, when a debtor has both a lot of debt and a lot of property, especially a home, then oftentimes a Chapter 13 functions to force mortgage companies to allow a debtor time to "catch up" on mortgage arrears (it works the same with other collateralized loans).  Unsecured, or non-collateralized creditors are paid only cents on the dollar in most Chapter 13 bankruptcies.  If mortgage arrearages are not a problem, and if there are a lot of medical bills, or perhaps a large amount of credit card debt, then a Chapter 7 can work to cancel or "discharge" those debts.  Either way, Andrew J. Bolton stands ready to assist you in making the correct choice.