Contra Costa Times, Walnut Creek, Calif., Bankruptcies Column.

Jul. 8--The following businesses filed for legal protection from creditors in the federal bankruptcy court in Oakland.

Companies most commonly file for protection under three chapters of the bankruptcy code: Chapter 7, which involves liquidation of assets and appointment of a trustee to handle paying creditors' claims; Chapter 11, in which the debtor must submit a reorganization plan to meet the court's and creditors' approval but permits debtors to retain ownership; and Chapter 13, which involves proprietorship and allows the debtor to submit a payment plan.

David R. and Diana B. Garcia, 3702 Hawthorne, Bethel Island. dba: David R. Garcia, Architect, P.O. …