While most people think that Chapter 7 is better because your debts are discharged without repayment, the truth is that Chapter 7 is ill-equipped to handle certain kinds of debts. Those debts can be better managed by filing for a Chapter 13 bankruptcy. This includes car payments and home equity loans. Chapter 13 can help you keep your house out of foreclosure and repay your creditors at a manageable pace. If you are interested in Chapter 13, contact a bankruptcy attorney today.