Ch. 13 v. Ch. 7
1.    Debtor w/ mostly unsecured debt, low disposable income and a mortgage in arrears—Ch. 7 better if bank willing to work it out through reaffirmation.  This is especially true if most prop exempt.  That way, unsecured debt is discharged, they can keep home and keep disposable income.
2.    Ch. 7 is not attractive if most of debtors prop is non-exempt.
3.    Neither ch. Provides good incentive to file for debtor w/ most prop subject to SI.