Your "left-over debts"--those which are neither secured by collateral nor belong to any of the special "priority" categories--often don't drive the decision about whether to file Chapter 7 or 13. But you still need to know how these "general unsecured debts" are handled under these two options.
In most Chapter 7 "straight bankruptcies," most debts are legally written off, especially debts that are not secured by any collateral and don't belong to any of the special "priority" categories of debt. But how about in a Chapter 13 payment plan? What determines whether these creditors get paid, and if so how much?
Your vehicle loan, home mortgage, account at the appliance or electronics store, and maybe a debt that's resulted in a judgment lien--these debts with collateral are the ones that grab the most attention during a bankruptcy case. And that includes the attention of the creditors, very interested in "their" collateral.