Researchers studied personal bankruptcies in the US under Chapter 13 by analyzing data from Delaware courts. They found that factors like first-time bankruptcy, overdue secured debt, and excess income impact how much creditors recover. Changes in debtors' situations during bankruptcy also affect outcomes, like their chances of starting fresh financially. Stricter Chapter 13 rules don't significantly increase creditor recovery rates but make it harder for some debtors to get their debts discharged.