The main difference between a Chapter 7 Bankruptcy and a Chapter 13 Bankruptcy is that in a Chapter 13 Bankruptcy a plan payment must be paid to your trustee for a period of typically 36 – 60 months before you receive a “discharge” of your debts. Whereas in a Chapter 7 Bankruptcy your case typically lasts 3-5 months without any payments being paid to your trustee before you receive a “discharge” of your debts. A Chapter 13 Bankruptcy is ideal for those who are unable to qualify for a Chapter 7 Bankruptcy due to higher income, those who own personal or real property that have too much equity in which the Illinois exemptions are unable to protect, or for those who are facing an Illinois home foreclosure and want to save their home.