Under Chapter 13 bankruptcy, you might not have to pay off all your debts in full. Chapter 13 allows you to create a plan to repay some or all of your debts over a specified period, usually three to five years, and any remaining unsecured debts may be discharged at the end of that period.
In contrast, Chapter 7 bankruptcy typically requires the liquidation of certain assets to pay creditors, and while it may discharge many types of unsecured debts, it usually does not involve a structured repayment plan like Chapter 13.
Therefore, the correct answer is Chapter 13 bankruptcy.