Yes, Chapter 13 bankruptcy can be an option for small business owners whose personal assets are intertwined with the business. Chapter 13 can be a good choice for small business owners who want to keep their business running to avoid liquidation. However, eligibility depends on income and the ability to meet repayment obligations.

Chapter 7 bankruptcy is typically an option for businesses that are no longer viable and have no hope of repaying their debts. However, it’s important to note that Chapter 7 may not be suitable for all businesses. If the business has valuable assets that the owner wants to retain, or if there's a chance of restructuring the business and continuing operations, Chapter 11 might be a better option.

Yes, creditors have a say in whether a business can file Chapter 11 bankruptcy. Creditors can influence the reorganization plan by voting on a creditors committee or by requiring the business owner to contribute disposable income to debt payments. It’s crucial for businesses considering Chapter 11 to understand the role of creditors and seek legal advice to navigate these complexities effectively.