How does Chapter 13 differ from Chapter 7?

A Chapter 13 bankruptcy filing is different from Chapter 7 because it does not eliminate your debt. Instead, it provides you with the opportunity to pay your debts over an extended time period. Not all creditors must be paid in full and unpaid amounts are discharged (subject to some exceptions to discharge). Some who file for Chapter 13 bankruptcy are given up to five years to pay off their personal debts.