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Chapter 11 - Reorganization
The information provided here is intended to answer frequently asked questions and is not to be interpreted as legal advice or to serve as a complete guide as to what is required to be filed, provided or completed in a chapter 11 case. This information is subject to change without notice.Attorney Representation
Chapter 11 Plan & Disclosure Statement
Completing the Bankruptcy Forms
Credit Counseling & Debtor Education
Credit Rating & Reports
Discharge of Debts under Chapter 11
Documents Required to File Bankruptcy
Payment of Filing Fees
Potential Delay or Denial of Discharge
Quarterly Payments to the U.S. Trustee
The Trustee & the 341 Meeting of Creditors
Any debtor other than an individual (or a married couple) must be represented by legal counsel. Corporations or other business debtors may not file bankruptcy pro se (without legal counsel).
Pro se debtors must comply with the Local Bankruptcy Rules for the Northern District of Florida (N.D. Fla. L.R.), Title 11 of the U.S. Code (11 U.S.C. or “the Bankruptcy Code”) and the Federal Rules of Bankruptcy Procedure (Fed. R. Bankr. P.) just as if they were represented by an attorney. Failure to do so can result in dismissal of the case or other sanctions.
All individual debtors who file chapter 11 bankruptcy are required to obtain credit counseling from an approved provider within 6 months before filing for bankruptcy relief. Debtors are also required to complete an instructional course in personal financial management from an approved provider after filing bankruptcy. (11 U.S.C. § 521(b),(c)). Failure to obtain the required certifications may result in dismissal of your case or withholding of the discharge. A list of approved providers is available from the Clerk’s Office or the website of the U.S. Trustee Program.
U.S. Trustee Program > List of Approved Credit Counseling Agencies
U.S. Trustee Program > List of Approved Providers of Personal Financial Management Instructional Courses
The forms listed below are available from either the United States Courts > Bankruptcy Forms website (Official and Procedural Forms) or the Forms page of this website (Local Forms designated as “LF”). Many of the forms are in interactive (“fillable”) Portable Document Format (PDF) and all can be printed or saved to your computer.
When filing a bankruptcy case, documents should be placed in the order as they are presented below. Items preceded by an asterisk (*) are required to initiate a bankruptcy case. Failure to include these items may result in the dismissal of the case. All remaining documents must be filed within the specified time period.
- *Filing Fee - The filing fee is to be paid in full at the time of the filing of the petition unless the debtor files, and the court approves, an Application for Individuals to Pay the Filing Fee in Installments (Official Form B 3A). An application to pay in installments can be filed by individual debtors only (including married couples) and shall be filed with the petition. Fed. R. Bankr. P. 1006(b).
- *Voluntary Petition (Official Form B 1) - Required to initiate the bankruptcy case. Fed. R. Bankr. P. 1007(a)(1).
- *Declaration Under Penalty of Perjury on Behalf of A Corporation or Partnership (Official Form B 2), if applicable - must be filed with the petition if a debtor is a corporation or partnership.
- *Corporate Ownership Statement (FLNB LF-2), if applicable - Must be filed with the petition if the debtor is a corporation. Fed. R. Bankr. P. 1007(a)(1).
- *List of Creditors Holding 20 Largest Unsecured Claims (Official Form B 4) - Must be filed with the petition. Fed. R. Bankr. P. 1007(d).
- Summary of Schedules, including the Statistical Summary of Certain Liabilities and Related Data (Official Form B 6) - Must be filed with the petition or within fourteen (14) days. Fed. R. Bankr. P. 1007(b), (c).
- Schedules of Assets and Liabilities (Official Forms B 6A - 6F), Schedule of Executory Contracts and Unexpired Leases (Official Form B 6G), Schedule of Co-Debtors (Official Form B 6H), Schedules of Current Income and Expenditures (Official Forms B 6I & B 6J) and Declaration Concerning Schedules (Official Form B 6 - Declaration) - All schedules must be filed with the petition or within fourteen (14) days. Fed. R. Bankr. P. 1007(b),(c).
- Statement of Financial Affairs (Official Form B 7) - Must be filed with the petition or within fourteen (14) days. 11 U.S.C. § 521(1)(B)(iii) and Fed. R. Bankr. P. 1007(b), (c).
- Names and Addresses of Equity Security Holders of the Debtor (no official form) - Must be filed with the petition or within fourteen (14) days. Fed. R. Bankr. P. 1007(a)(3).
- Notice to Individual Consumer Debtor (Official Form B 201) - Must be filed with the petition or within fourteen (14) days. When the debtor is represented by legal counsel, the attorney’s signature on Exhibit B (page 2) of the Voluntary Petition certifies compliance with this provision. 11 U.S.C. §§ 342(b), 521(a)(1)(B)(iii), 707(a)(3).
- Declaration and Signature of Non-Attorney Bankruptcy Petition Preparer (Official Form B 19), if applicable - Must be filed with the petition if the bankruptcy petition is prepared by someone other than the debtor(s). 11 U.S.C. § 110(b)(2).
- Disclosure of Compensation of Bankruptcy Petition Preparer (Procedural Form B 280), if applicable - Must be filed with the petition if the bankruptcy petition is prepared by someone other than the debtor(s). 11 U.S.C. § 110(h)(2).
- Disclosure of Compensation of Attorney for Debtor (Procedural Form B 203), if applicable - Must be filed within fourteen (14) days or other date set by the court. 11 U.S.C. § 329 and Fed. R. Bankr. P. 2016(b).
- Statement of Your Current Monthly Income (Official Form B 22B) - Must be filed with the petition or within fourteen (14) days. Fed. R. Bankr. P. 1007(b), (c).
- *Creditor Mailing Matrix (no official form - see Instructional Document Inst-1 on the Forms page of this website) - A typewritten list containing the names and addresses of all creditors of the debtor. Must be filed with the petition. 11 U.S.C. § 521(a)(1)(A), Fed. R. Bankr. P. 1007(a)(1) and N.D. Fla. L.R. 1007-2.
All of the documents listed above may be filed as one document.
- *Statement of Social Security Number (Official Form B 21) - Required if the debtor is an individual. Must be filed with the petition. This form is retained by the attorney for the debtor(s) and is not filed with the court unless the debtor is filing a pro se case (not represented by legal counsel). Fed. R. Bankr. P. 1007(f).
- *Exhibit D - Individual Debtor’s Statement of Compliance with Credit Counseling Requirement (Official Form 1, Exhibit D) - Required if the debtor is an individual. Must be filed with the petition. Fed. R. Bankr. P. 1007(b)(3), (c).
- *Motion for Waiver of Debtor’s Duty to Comply with Credit Counseling Requirement (FLNB LF-18), if applicable - Required if the debtor is an individual requesting a waiver of credit counseling requirements. Must be filed with the petition. 11 U.S.C. § 109(h)(4).
- Copies of the most recent Balance Sheet, Statement of Operations, Cash-Flow Statement and Federal Income Tax Returns or a statement made under penalty of perjury that no balance sheet, statement of operations, and/or cash-flow statement exists and/or that no tax return has been filed (no official form) - Required if the debtor qualifies as a Small Business under 11 U.S.C. § 101(51D). Must be filed with the petition. 11 U.S.C. § 1116(1).
- Copies of all payment advices or other evidence of payment received (e.g., earnings statements, pay stubs, etc.) by the debtor within 60 days before the filing of the petition or, if the debtor has not received any income from an employer within 60 days before the filing of the petition, a Statement of No Employment Income (FLNB LF 16), whichever is applicable - Required if the debtor is an individual. Must be filed with the petition or within fourteen (14) days. 11 U.S.C. § 521(a)(1)(B)(iv) and Fed. R. Bankr. P. 1007(b), (c).
Your bankruptcy is a public record. Do not place the full Social Security Number or Taxpayer Identification Number on any bankruptcy documents other than the Statement of Social Security Number (Official Form B 21). Documents of which you are to provide copies, such as pay advices or earnings statements, bank records, or tax documents, must be redacted or truncated prior to filing. (Fed. R. Bankr. P. 9037). You may abbreviate the information as shown in the following examples:
- Social Security Number and/or Taxpayer Identification Number: last four digits only (e.g., xxx-xx-1234)
- Financial Account Numbers: last four digits only
- Birthdate: year of birth only
- Names of Minor children: initials only (no names)
Correcting an incorrect Social Security Number: If you mistakenly provided an incorrect Social Security Number when filing the bankruptcy case, you must provide an Amended Statement of Social Security Number (Official Form B 21 marked “Amended” in the title) to the Court. You should only file an amended petition if the error if the error is in the last four digits of the Social Security Number.
- Debtors represented by attorneys: The attorney will mail a copy of the Amended Statement of Social Security Number to the Court and keep the original with the other original bankruptcy documents and retain this document for four (4) years after the case is closed.
- Pro se Debtors: You must provide the original Amended Statement of Social Security Number to the Court. We will attach this document to your electronic case record and place the original in your case file but neither the original nor the electronic version of the document will be available for public viewing.
- Notifying Creditors and Parties in Interest: Pursuant to Fed. R. Bankr. P. 1009(c), the debtor (pro se) or debtor’s attorney shall promptly notify each entity included on Schedules D, E, F, G and H of the correct Social Security Number(s). A truncated or redacted copy of this notice showing only the last four digits of the Social Security Number should be filed with the Court.
Debtors may pay filing fees by cash (exact amount), money orders or cashier’s checks. Attorneys may pay filing fees by cash (exact amount), check, money order, cashier’s check, or credit card. Personal checks or credit cards from the debtor, two-party checks, or post-dated checks will not be accepted.
Within ten (10) business days of the filing of a bankruptcy petition with creditor matrix, the court will issue a “Notice of Chapter 11 Bankruptcy Case, Meeting of Creditors, & Deadlines.” This notice is sent to all creditors listed on the creditor matrix to inform them of the filing of the bankruptcy case. It also advises the debtor and creditors of the date, time and location of the § 341 Meeting of Creditors (also known as the “341 Meeting”) and the deadlines for creditors to file a Proof of Claim and by which objections to discharge or dischargeability of certain debts must be made. (11 U.S.C. § 341).
Debtors should read the notice carefully to ensure the accuracy of name(s), address(es), and Social Security or Tax Identification Number(s) as well as to determine where and when to attend the 341 Meeting.
Debtors must present a form of photo identification at the 341 Meeting as well as verification of his or her Social Security Number. (11 U.S.C. § 521(h)). If these items are not provided, the meeting may have to be rescheduled to another date. The debtor’s failure to attend the 341 Meeting (including both husband and wife in joint cases) could result in dismissal of the party who did not attend (in joint cases) or dismissal of the entire case.
The 341 Meeting is conducted by the Assistant U.S. Trustee, an officer of the U.S. Department of Justice, or an appointed member of his staff who will be responsible for reviewing and monitoring the debtor’s financial activities during the pendency of the case, including but not limited to operation of a business and/or submission of financial reports, supervising the administration of the bankruptcy case, monitoring plans and disclosure statements, and performing other statutory duties. At the 341 meeting, the debtor(s) will be placed under oath and both the trustee and any creditors in attendance may ask questions regarding the debtor’s acts, conduct, property, financial records or bankruptcy case documents, and the administration of the case.
Charles F. Edwards
110 E. Park Ave., Ste. 128
Tallahassee, FL 32301
The Assistant U.S. Trustee and his staff are employees of the U.S. Department of Justice. Although they are not employees of the Federal Judiciary or the U.S. Bankruptcy Court for the Northern District of Florida, contact information is located here and on the Contact Us page of this website for your convenience.
Under 28 11 U.S.C. § 1930(a)(6), the debtor, or the trustee if one is appointed, is required to pay a fee to the United States Trustee at the conclusion of each calendar quarter until the case is dismissed or converted to another chapter. The payment amount is calculated as shown here:
Less than $15,000
$15,000 < $75,000
$75,000 < $150,000
$150,000 < $225,000
$225,000 < $300,000
$300,000 < $1,000,000
$1,000,000 < $2,000,000
$2,000,000 < $3,000,000
$3,000,000 < $5,000,000
$5,000,000 < $15,000,000
$15,000,000 < $30,000,000
$30,000,000 or more
The debtor (unless designated a “small business debtor”) has 120 days after the filing of the petition during which to file a plan of reorganization (11 U.S.C. § 1121(b)). This period may be extended or reduced by the court but absolutely may not extend beyond 18 months (11 U.S.C. § 1121(d)). After this exclusivity period has expired, a creditor may file a plan if the debtor has failed to do so.
The plan proponent must also file a disclosure statement providing adequate information concerning the affairs of the debtor to enable claim holders to make an informed judgment about the plan. After the disclosure statement is approved by the court, a hearing on confirmation (approval) of the plan will be scheduled. Creditors must vote on the plan before it can be approved (confirmed).
After the plan is confirmed, the debtor is required to make payments and is bound by the provisions of the plan of reorganization. The confirmed plan creates new contractual rights, replacing or superseding pre-bankruptcy contracts.
Confirmation of a business debtor’s plan acts as a discharge in the case and generally discharges the debtor from any debt that arose before the date of confirmation. This rule does not apply to individual debtors (including married couples) nor does the discharge include any debt made non-dischargeable by 11 U.S.C. § 523. A discharge is not available to an individual debtor unless and until all payments have been made under the plan (11 U.S.C. § 1141(d)(5)).
Debts not discharged include debts for alimony and child support, certain taxes, debts for certain educational benefit overpayments or loans made or guaranteed by a governmental unit, debts for willful and malicious injury by the debtor to another entity or to the property of another entity, debts for death or personal injury caused by the debtor's operation of a motor vehicle while the debtor was intoxicated from alcohol or other substances, and debts for certain criminal restitution orders.11 U.S.C. § 523(a). The debtor will continue to be liable for these types of debts to the extent that they are not paid in the chapter 11 case. Debts for money or property obtained by false pretenses, debts for fraud or defalcation while acting in a fiduciary capacity, and debts for willful and malicious injury by the debtor to another entity or to the property of another entity will be discharged unless a creditor timely files and prevails in an action to have such debts declared non-dischargeable. 11 U.S.C. § 523(c); Fed. R. Bankr. P. 4007(c).
Questions regarding dischargeability of debts should be directed to a competent attorney who is familiar with the bankruptcy laws.
The court will delay or withhold the discharge for the following reasons, as applicable:
- Failure to file a Debtor’s Certification of Completion of Post-Petition Instructional Course Concerning Personal Financial Management (Official Form B 23). If a joint petition is filed, each spouse must complete and file a separate certification.
- The debtor(s) received a discharge within the prior four (4) years if filing a chapter 7, 11 or 12, or within the prior two (2) years if filing a chapter 13.
- *Failure to file the required certifications regarding domestic support obligations.
- A Motion to Delay discharge is pending, including those related to 11 U.S.C. §§ 522(q)(1), 727(a)(12), 1141(d)(5)(c), 1228(f), the filing of tax returns under 521(f)(f), and Fed. R. Bankr. P. 1007(b)(8).
- Failure to pay the filing fee.
- A hearing is pending concerning a reaffirmation agreement in which undue hardship is indicated.
- *Failure to file a statement as required under Fed. R. Bankr. P. 1007(b)(8), if applicable, or if the statement declares that:
- There is NO pending proceeding in which the debtor may be found guilty under § 522(q)(1)(A) or found liable for a debt in § 522(q)(1)(B), a discharge cannot be provided earlier than thirty (30) days after the filing of the statement. If a related Motion to Delay Discharge is filed prior to the thirty (30) days, the discharge will not be entered pending direction to be provided via resolution of the motion.
- There IS a pending proceeding in which the debtor may be found guilty under § 522(q)(1)(A) or found liable for a debt in § 522(q)(1)(B), the discharge will not be entered pending direction to be provided via the resolution of the pending proceedings and any related motions.
*The requirement for items marked with an asterisk (*) may be satisfied using Local Form LF 11-37.
The court is not responsible for credit reports or the information reported by credit bureaus. Bankruptcy records are public record and the information contained in them can be retrieved by anyone. Additionally, the Fair Credit Reporting Act allows credit bureaus to keep a bankruptcy on your credit record for up to ten (10) years from the date of discharge (not the date of the filing of the case). Any disputes you have with a credit reporting agency must be resolved by you and that agency.