Thread regarding Corinthian Colleges Inc. layoffs

Which to choose??

Chapter 7 is what most people mean when they say, "I'm filing for bankruptcy." This is a liquidation bankruptcy, which means that the trustee sells off all non-exempt assets held by the debtor so that the debts can be repaid to the fullest extent possible. Individuals, corporations and partnerships are all eligible for Chapter 7 bankruptcies. The portion of the debt that can't be repaid through liquidation is discharged. Businesses generally try to avoid Chapter 7, because it is impossible to conduct business operations. Income generated after the bankruptcy filing is not a part of the bankruptcy -- the debtor can keep it.

Chapter 11 is the most complex bankruptcy filing and the one that most troubled businesses file (although some individuals may file it as well). In a Chapter 11 bankruptcy filing, the debtor continues to function, maintains ownership of all assets, and tries to work out a reorganization plan to pay off creditors.

In the past, a business had an almost unlimited amount of time to come up with their reorganization and payment plan. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 imposes a 120-day time limit. If the debtor has not submitted a plan within that period, creditors can submit their own plans.

by
| 421 views | | 3 replies (last November 17, 2014) | Reply
Post ID: @OP+yBeGqe4

3 replies (most recent on top)

Chapter 7 is for all practical purposes CCi only option.

by
| | Reply
Post ID: @12Nz+yBeGqe4

If they file, there is no further income. Doors close. They can't get any more govt loans, which is 90% of their income.

by
| | Reply
Post ID: @fEZ+yBeGqe4

Obviously, you don't understand the filing of bankruptcy and higher education. It's VERY different than a business filing. Educate yourself about it.

by
| | Reply
Post ID: @Myh+yBeGqe4

Post a reply

: