Chapter 11 is primarily used by businesses but is available to individuals as well. It is called reorganization. The idea of Chapter 11 is to formulate a plan of reorganization that is acceptable to both the Debtor and the Creditors and to implement such a plan. It is often an exercise in negotiation. Chapter 11 is expensive: the filing fee alone is $1717 (as of 02/23/2017). Chapter 11 is not usually appropriate for consumer debtors but we will evaluate your situation, and, if appropriate in your situation, discuss your Chapter 11 options. ContiLegal has successfully represented Debtors and Creditors, both individual and corporate, in Chapter 11 proceedings.