Depends .....
Chapter 7 ......wipes them out
Chapter 13 ...you pay back a percentage.
The court determines if you have the ability to pay almost all, some or none. They go off your assets, earnings, etc. That is just the general idea of it. You have to either pay or give back any secured items ....meaning homes, car, etc. The unsecured stuff ..like medical, credit cards, and other signature type bills are subject to being wiped out or some paid back.