Chapter 7 – A Chapter 7 is the easiest way for a debtor to get a fresh start. Chapter 7 debtors are usually not facing foreclosure or are willing to surrender their property. They may have high credit debt or medical bills.

Chapter 13 – Is usually for debtors that want to protect their assets.  Usually the debtors are trying to prevent a foreclosure and/or just need time to restructure their financial life following a loss of job or other reduction in income.  A Chapter 13 is usually 3 – 5 years.