Family farmers can often file chapters 7, 11 and 13 as discussed on the business and consumer web pages. However, because farmers are unique and often don’t qualify for beneficial chapters like chapter 13 because of their circumstances, congress created chapter 12 specifically for farmers (and fishermen) who would like to attempt to reorganize and keep the farm. Chapter 12 includes protective provisions (such as the right to dismiss and refile as well as enhanced powers to sell property) not included in other chapters. At the same time, chapter 12 includes some of the more complicated concepts normally only found in chapter 11 and requires an experienced bankruptcy attorney, such as Kerry Hettinger PLC. Attorney Kerry Hettinger not only has filed the most chapter 12 in Southwestern Michigan during the last 10 years, but is also nearly 100% successful with family farm repayment plans.