What is difference between chapter 7 and chapter 13?

Chapter 7 - Debt goes away. You cannot be behind on your house, car, etc to keep them. You cannot have massive amounts of "stuff" including equity in home/car. Chapter 13 - Lets you repay some debt at a percentage over time (up to five years). Perfect if you are behind on car or house. You get to pay the arrears over time. Chapter 11 - Like 13, except only applies if you have over $200,000 in unsecured and/or $800,000 in secured debt. (Those are the round limits.)