Chapter 7 can help eliminate most unsecured debts, such as: medical bills; personal loans; credit cards; or judgments resulting from car accidents . You may also be able to keep your property if you make payments on certain loans.  as long as your car and mortgage payments are current, and there is no significant equity in your property, we should have no problem making the arrangements for you to reaffirm the debt.
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Chapter 13 is a plan by which debts can be paid over a 3-5 year period without interest. During this period, creditors are not permitted to collect payments from you, unless they go through the trustee. This plan required you to have available income to make regular payments over the period of the plan.
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Which type of Bankruptcy is right for me?