Under a Chapter 13 Bankruptcy, it is different than a simple Chapter 7 Bankruptcy.  However, Chapter 13 does allow you to get rid of debts like medical bills, bank loans, credit cards and loans, finance company loans.  However, instead of getting rid of it immediately, like it occurs in a Chapter 7, you have to do a payment plan; which generally is pennies on the dollar and then after either a 3 to 5 year period if you have made the payment that you need to make, your unsecured debt would be wiped out at that point.  That would also include late interest and penalties just like in a Chapter 7.