The correct response is:
Chapter 13 bankruptcy
In Chapter 13 bankruptcy, you can propose a repayment plan to pay off your debts over time, and you may not have to pay all of your debts in full. In contrast, Chapter 7 bankruptcy typically involves liquidating assets to pay creditors, and any remaining unsecured debts may be discharged, but it doesn't guarantee that you won't need to pay certain debts in full before filing.