Is Chapter 13 worth it?

My payments are on time and was told by initial consultation by a lawyer that he feels I’d have a better chance with Chapter 13 than with 7.

In my mind, if I’m going to be going through the harassing phone calls, bad credit score, and legal process, I may as well have it worth the squeeze and by that I mean no debt to my name. But the lawyer said it’s not likely I’ll get the chapter 7 because of my income. The lawyer literally said “I want happy clients, and if I have you do a chapter 7 and the courts wont approve it, then you’re not a happy client. I want to put you in a successful situation and chapter 13 has a higher rate of success”.

When it’s all said and done. After debts are paid, utilities are paid I’m left with about 400.00 a month to work with every month. And with 30% interest rates on personal loans, it feels like I’m suffocating. But if I’m going to still have a monthly payment with Chapter 13, why even bother? Am I really going to have much more wiggle room afterwards?

Not seeking legal advice here, more about actual stories of life leading up to, during and after Chapter 13. Is there even any relief? Thank you all for your help and support 🙏🏽