Chapter 13 bankruptcy is a type of debt-relief option that's sometimes referred to as the "wage earner's plan" because it requires individuals to make monthly payments for up to five years. In some cases, Chapter 13 bankruptcy can be a better alternative to Chapter 7 bankruptcy, but it will depend on your individual financial situation.
Chapter 7 bankruptcy is a "liquidation" process where most of your debts are erased and you're allowed to keep certain property that would otherwise have been taken away in Chapter 13. If your debts are primarily credit card bills, Chapter 7 bankruptcy may be a more appropriate option because it typically allows you to pay off those debts more quickly than with a Chapter 13 plan.