Chapter 13 bankruptcy doesn't erase all debts outright; instead, it offers a structured plan to manage and repay them over time. This approach is tailored to your financial circumstances, with some debts possibly being reduced. Generally, secured debts like mortgages and car loans are included in the repayment plan, while unsecured debts like credit card balances might be paid partially or in full, depending on your disposable income. Debts like child support, alimony, certain taxes, and student loans often cannot be discharged through Chapter 13 bankruptcy. However, this process provides a systematic way to address your debts, aiming to provide financial relief while adhering to the law's guidelines.