The phrase "goes in to chapter" refers to a situation where a person or business declares bankruptcy and enters into a legal process called Chapter 11 bankruptcy. The spelling of "goes in to" can be explained phonetically as /ɡoʊz ɪn tu/. The verb "goes" is pronounced with a long "o" sound, and the preposition "in" is pronounced with a short "i" sound. The word "to" is pronounced with a short "u" sound, similar to the word "too".