These are programs not often used in local bankruptcy practice. Chapter 11 is a reorganization proceeding somewhat akin to Chapter 13. The main differences are that whereas there are limitations on the amount of debt one can have and still qualify for Chapter 13, there are no such limits in Chapter 11. Also, Chapter 11 does not have the ‘super discharge’ of Chapter 13. There are certain other provisions in Chapter 11 which may be an advantage or a disadvantage, depending on your circumstances. Chapter 11 proceedings are quite complex and time-consuming, and are therefore costly.

Chapter 12 is a program designed for the family farmer. Like Chapter 11 and 13, it is a reorganization proceeding but it is specifically designed to rehabilitate an ongoing family farming operation.