Chapter 13 is usually preferable for the debtor who – (1) wishes to repay all or most of their unsecured debts and has the income with which to do so within a reasonable time, (2) has valuable nonexempt property or exempt property pledged as security for debts, either of which they would lose if they filed under Chapter 7, (3) is not eligible for a discharge under Chapter 7, (4) has one or more substantial debts that are not dischargeable under Chapter 7, or (5) has sufficient assets with which to repay their debts, but needs temporary relief from their creditors in order to do so.
