KEEP YOUR HOUSE / CAR: Chapter 13 allows you to pay the arrears on secured debt such as homes and cars over a period of time, from 3 - 5 years.
IRS / DOR: Stops bank levies and wage assignments, allowing repayment over a period of time, from 3 - 5 years, in some circumstances discharging some or all of the taxes / penalties / interest owed.
WAGE GARNISHMENTS: Stops your wages from being garnished.
LAW SUITS: Stops most law suits.
REPOSED CARS: Must be returned, if not already auctioned or sold.