The major bankruptcy options are organized in the U.S. Bankruptcy Code into different “chapters” of the Code. Chapters 7 and 13 are the ones mostly used by people with consumer and small business debt. So if that is your situation, most likely one of those is your best option. But if you are a farmer, rancher or fisherman, Chapter 12 may instead be the most appropriate for you. Chapter 11 can be used by people with an unusually large amount of consumer and/or business debt, but is mostly used by corporations and other business entities. Chapter 9 is for city, county and other governmental bankruptcies.