The main types of bankruptcy that consumers file, everyday people are chapter seven and chapter 13. A chapter seven type of bankruptcy does not require you to pay anything back to your unsecured creditors, think credit cards, medical bills. Whereas a chapter 13 requires you to pay back a percentage of what you owe to your unsecured creditors. That percentage is based on your ability to pay. Whether you file a chapter seven or 13 is a decision that you make with your attorney as you go through the process.