generally speaking, what happens to someone who files for bankruptcy?

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Generally speaking, what happens to someone who files for bankruptcy? What's the difference between chapters 7 and 13? I know for a fact a person's cr redit takes a major anal raping. This I know, but what else happens to them? Example: Let's say a person is sued by a hospital for not paying their bills. T hey have no income or not enough to pay off the debt, so they file for bankruptc y. What chapter would they file this under?

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Page 1: Generally speaking, what happens to someone who files for bankruptcy?

Generally speaking, what happens to someone who files for bankruptcy?

What's the difference between chapters 7 and 13? I know for a fact a person's crredit takes a major anal raping. This I know, but what else happens to them? Example: Let's say a person is sued by a hospital for not paying their bills. They have no income or not enough to pay off the debt, so they file for bankruptcy. What chapter would they file this under?