What is the difference between chapters 7 and 13

That is actually a complex question.  However, and this is very simplified, Chapter 7 is a complete liquidation of almost all your assets, but, in a fairly short time, you are completely free of most types of debt.  Chapter 13 is basically a reduction of your debts coupled with a payment plan of a few years. Most people will NOT qualify for Chapter 7 based on what is called a "means test" that is applied to determine eligibility.