Chapter 13 bankruptcy allows you to pay what you can afford which is based on your earned income, at the end of the repayment plan, you will be able to wipe out your debts.
During the period of the 3 to 5 years of the repayment plan, you are only required to pay what you can afford if you are unable to pay the whole debts after the repayment plan ends, all your dischargeable debts will be discharged.
You will only be required to pay what you can afford during the period of three to five years, after which your dischargeable debts will be wiped out.
Your debts will immediately stop accruing interest once you apply for chapter 13 bankruptcy. The amount owed as of the time you file for bankruptcy is what you will be using to structured your repayment plan.
Once you pay back the amount as of the first day you file for bankruptcy, as you are compelled to pay according to the repayment plan, you are free from every dischargeable debts, and you get a fresh start.