Chapter 7 often protects you from creditors well enough. But if need be, Chapter 13 protects you longer.
Straight Chapter 7 bankruptcy gives very limited help if you’re behind on your vehicle and need to keep it. And Chapter 13? Provides much more help.
Bankruptcy stops a vehicle repo from happening. But what then?
If you want to hold onto your vehicle, or other collateral, Chapter 13 makes it happen.