A chapter 13 will allow you to catch up on your mortgage and save your home. You can also save your car by catching up on those payments. Some debts that are not discharged in a chapter 7 will be discharged in a chapter 13. If you earn too much money to qualify for a chapter 7, you can usually file a chapter 13 and make monthly payments. It will also protect third parties, like a co-signer or non-filing spouse.