Chapter 13 bankruptcy utilizes a repayment plan. As such, you're still going to be obligated to pay off a lot of what you owe. It's not a way to instantly eliminate the debt, but to make it manageable and affordable over time.
Some people think of bankruptcy as a way to quickly wipe the slate clean, eliminating all debt in one quick move so that nothing is owed. This can happen, but only if you have the right types of debt. Bankruptcy doesn't always get rid of everything.