Chapter 11 is typically used for business bankruptcies and restructuring. It is not as commonly used by individual consumers since it is far more complex and expensive to pursue than a Chapter 13.  However, individuals who do not qualify for Chapter 13 due to the debt limits may file for Chapter 11.  Chapter 11 allows businesses to reorganize themselves, giving them an opportunity to restructure debt and get out from under certain burdensome leases and contracts. Typically a business is allowed to continue to operate while it is in Chapter 11, although it does so under the supervision of the Bankruptcy Court and its appointees.