Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Bankruptcy in Oregon, What is the difference between Chapter 13, 11 and 7? - Bankruptcy if federal - same in every state
chap 7 wipes out all debts
chap 13 requires partial payment of debts depending on your income

if most of your debts are credit cards/loans, you might not be allowed to do chap 7 anymore

chap 11 is for businesses as far as i know -