What’s the difference between Chapter 7 and Chapter 13 bankruptcy in terms of dealing with creditors?

Chapter 7 bankruptcy, often a liquidation process, discharges most unsecured debts and halts creditor actions through the automatic stay. Chapter 13, a reorganization form of bankruptcy, allows you to repay debts over time while keeping your assets. Both forms provide an automatic stay, but Chapter 13 typically involves a structured repayment plan over 3-5 years.