Generally, when one files Chapter 7, the person filing does not pay the creditors anything and all the debts are discharged (i.e. wiped out). If one files Chapter 13, the person filing pays as much as they can afford over 3 to 5 years, and and the end of the 3 to 5 years, any debt not paid is discharged.
The changes in the law regarding Chapter 7 did not change the fact that debts are wiped out. However, some debts cannot be wiped out in bankruptcy, such as child support, student loans, debts related to personal injury caused while driving drunk, fraud, etc. But, credit cards, personal loans, medical bills, utility bills, amounts due from repossessed cars and homes, etc, are all still dischargeable in bankruptcy.
I hope this helps and a positive feedback is always appreciated if this was useful to you.
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