Are you overwhelmed with credit card or medical debt?
Is your house in foreclosure?
Are you behind on your car loan or is it about to be repossessed?
Can't pay off payday loans?
Chapter 13 is a reorganization allowing you to keep your assets even if you are behind in payments and have high equity such as your home. Additionally, on some secured debt can be "crammed down" or reduced for secured debts like vehicle loans under certain circumstances.
At the end of your Chapter 13 case most debts can be discharged and you will no longer owe them. In most cases all creditor collection efforts must stop immediately upon filing your petition because of the "automatic stay" you will enjoy as soon as you file your petition. Collection efforts include garnishments, repossessions, foreclosures and other types of creditor collection efforts will stop.