One of the greatest advantages of filing a chapter 13 is that you can save your house from foreclosure.
Chapter 13 allows you to pay back your delinquent mortgage payments over the course of the bankruptcy.
You will have no more direct contact with the creditors. You will make one lump sum payment to the trustee and that will be distributed to each of the creditors. This will give you some peace of mind and not have to deal with annoying collection phone calls anymore.