In most Chapter 7 cases, there is not much practical effect to what creditors put on their proofs of claim.
When a creditor fails to enforce its lien in a Chapter 7 case, you are left exposed. Not so under Chapter 13.
If you have an “asset” Chapter 7 case, some or all of your debts are partially paid, with most or all of the remaining amounts written off.
You know bankruptcy gives you an overall fresh financial start. But it can provide special fresh starts you may not know about.