chapter 11 refer repeatedly to a "business." Additionally, while section 109(d) of the Bankruptcy Code provides that only a person that may be a debtor under chapter 7 may be a debtor under chapter 11, it does not provide that all persons eligible under chapter 7 may also file under chapter 11. Turning to legislative history to resolve this ambiguity, Stevens agreed that the Senate Report assumes that only businesses would ever file under chapter 11. While the Senate Report does not exclude the possibility that individuals may make use of that chapter as well, it notes that the cost of filing for chapter 11 would likely prevent individuals from using it. Moreover, Justice Stevens continued, the corresponding House Report "unambiguously states that a Chapter 7 liquidation is 'the only remedy' for 'consumer debtors [who] are unable to avail themselves of the relief provided under chapter 13.'" Stevens also stressed that the Code allows involuntary chapter 11 cases and that if individuals not engaged in business were subject to chapter 11, the Code does not protect them from being subject to such a filing. For these reasons, Stevens concluded in dissent that chapter 11 should apply only to "business debtors." Discussion Toibb stands for the counterintuitive proposition that individuals can file for chapter 11 "reorganization" under the Bankruptcy Code. The complexity and cost of chapter 11 bankruptcy is rather high (the case-filing fee alone is $1000). However, a New York Times article reports that chapter 11 may be "an attractive alternative for individuals who have relatively large debts and relatively large income, or at least the expectation of future income, with which to finance a repayment plan." Toibb has not been overruled by any subsequent decision of the Supreme Court, and although the Bankruptcy Code has since been amended, individuals remain eligible to file for bankruptcy under Chapter 11. See also List of United States Supreme Court cases, volume 501 List of United States Supreme Court cases Lists of United States Supreme Court cases by volume List of United States Supreme Court cases by the Rehnquist Court Notes External links United States bankruptcy case law United States Supreme Court cases United States Supreme Court cases of the Rehnquist Court 1991 in United States case law