A chapter 13 debtor will generally receive a partial discharge of their unsecured debts as a result of establishing a three to five year consolidated repayment plan through the bankruptcy trustee. However, under Chapter 13 a debtor may be able to retain property that could otherwise have been lost in Chapter 7. More importantly, for some, a Chapter 13 filing can stop a home foreclosure, repossession of a vehicle, or garnishment of wages.