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Difference between 13 and 7. 13 shows you are making an effort to repay some of your debt. Benefit is only on your record for seven years. & is just a middle finger to your debt and that means its on for 10 yrs. With a 7 your are discharged very quickly ( few months) and you go on with your life. With a 13 you have to get permission from the Bankrupsty Trustee to acquire new debt. Not impossible but you have a whole lot of hoops to jump thru. Also take this into consideration. All debt weather its a 7 or 13 will still be on your credit score until it is 7 yrs old. In other words, those credit cards and that you didn't pay will still bring down your score.
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