You do have to continue to pay your bills in a Chapter 7 case if those bills are your house or your car, and you want to keep your house or your car. In a Chapter 13, you have to pay your bills, same thing, secured debt. House or car, if you want to keep those things, you have to pay them. If we're talking about unsecured debt, like credit cards or medical bills, no, you don't have to pay those because those debts will be discharged.