Final answer:
Unsecured creditors are those who depend only on the debtor's promise to pay.
Step-by-step explanation:
Unsecured creditors are creditors who do not have any collateral or security to claim if the debtor fails to pay. They rely solely on the promise to pay made by the debtor. Examples of unsecured creditors include credit card companies and personal loan lenders.
An example to illustrate this is a credit card company that grants a credit limit to a customer based solely on their promise to pay back the amount borrowed. If the customer fails to make the payments, the credit card company cannot claim any specific asset as collateral to recover their funds.
Therefore, the correct answer is a. Unsecured creditors.