Originally Posted by Snake Doctor

This is not true, you've been given some bad information.

Some filers have to file chapter 13 now, which requires that you repay at least a portion of your debts. (You make payments to the court for 5 years, and the court pays your creditors)
It's a pretty complex system and I'm not going to drown in the minutiae here, but the bottom line is that over 80% of chapter 13 bankruptcies fail and the filer ends up in chapter 7 anyways.