The following are recent bankruptcy filings in U.S. District Court in Baltimore.

JAN. 29

John J. Frank Sr. and Judith A. Frank (J&J; Printing Services), 263 Bowline Road, Severna Park. Printing company filed for Chapter 7. Assets: $141,700. Liabilities: $134,909.

McCallam Installation & Service Company Inc., 4615 Hollins Ferry Road, Baltimore. Installation support group for the educational, institutional and office furniture industries filed for Chapter 11. Principal: Kevin McCallam. Assets: $1,020,000. Liabilities: $760,000.

JAN. 30

Compton Well Drilling Inc., 6700 Keysville Road, Keymar. Well drilling company filed for Chapter 11. President: Alan Compton. Assets: $82,200. Liabilities: $87,249.

JAN. 31

Joseph Cameron Abell, 5641 Ridge Road, Mount Airy. Real estate development and sales company filed for Chapter 11. Assets: N.A. Liabilities: N.A.

Charles Levine Ltd., 11 W. Gwynns Mills Court, Owings Mills. Off-premises caterer filed for Chapter 11. Principal: Charles D. Levine. Assets: $140,000. Liabilities: $850,000.

Spindletop Two Corp. (TCBY), 307 N. Charles St., Baltimore. TCBY yogurt franchise filed for Chapter 7. Principals: Joel Paul Berger, Nan Marsh Bowen and Lloyd Edward Elliott. Assets: $40,000. Liabilities: $151,000.

Wroxeter-Severn Associates Ltd. Partnership, 298 Rugby Cove Road, Arnold. Business filed for Chapter 11. Principal: Kenneth M. Freemark. Assets: more than $1 million. Liabilities: more than $1 million.

FEB. 1

David Alan Gibson and Harta Ann Gibson (Gibson's Home Improvements), 105 Holly Terrace, Cambridge. Home improvement company filed for Chapter 7. Assets: $126,794. Liabilities: $148,195.

John G. Pinkney (J & J Trucking Co.), 13 Garobe Court, Baltimore. Trucking company filed for Chapter 13. Assets: N.A. Liabilities: N.A.

Potomac Advertising Ltd. (Potomac Advertising PAL), 67 Franklin St., Annapolis. Advertising company filed for Chapter 7. Principals: Brad Dunn, Bruce Borcz and Jack Kern. Assets: $301,351. Liabilities: $346,420.

Duke R. Psoras (Duke's Mr. Fix It), 4B Lemon Grove Court. Handyman filed for Chapter 7. Assets: $1,931. Liabilities: $32,352.

FEB. 4

Seminole Inc., 4 Nashua Court, Bay 16, Baltimore. Residential development company filed for Chapter 11. Principal: Walter Stefanowicz. Assets: $375,000. Liabilities: $468,447.

Wood Communication Inc., 200 E. Joppa Road, Towson. Message center filed for Chapter 11. Principal: Sharon Wood. Assets: $40,000. Liabilities: $150,000.

Network Employment & Resume Inc., 818 Glaway Garth, Arnold. Employment service filed for Chapter 7. Principal: William A. Brown. Assets: $531,239. Liabilities: $1,038,361.

The following are the most common types of filings under the U.S. Bankruptcy Code.

CHAPTER 7 -- Liquidation. A trustee is appointed to take charge of all the debtor's property, except for certain exceptions allowed in the law. The trustee will sell the remaining property for the benefit of creditors, and unless a creditor objects and is upheld by the court, the debt will be discharged in whole or in part.

CHAPTER 11 -- Reorganization. Available to all individuals or businesses, this chapter is primarily intended to allow an ongoing business to restructure its debt. A successful reorganization depends on filing a plan and obtaining its approval by creditors and the court.

CHAPTER 13 -- Adjustment of debts of an individual with regular income. This chapter provides a method for individual debtors to repay creditors, in full or in part, over a period of up to five years. It ordinarily involves less than $100,000 in unsecured debt and $350,000 in secured debt.

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