Credit Card Debt
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The most common type of debt people like you have is credit card debt. Why? Because the big credit card companies and banks have been seducing you with offers of new credit cards, lower interest rates, courtesy checks and cash advances for years.
Credit Card Bankruptcy
Credit card debt, in most cases, is almost always dischargable in bankruptcy (meaning that you can get rid of it). You will likely not have to repay your credit cards in a Chapter 7 bankruptcy. However, you will have to be careful that there are no elements of bankruptcy fraud surrounding your case, or a judge will likely not allow you to discharge your credit card debt in credit card bankrupsy.