Petunia is a debtor. Her employer Quantum Investments, Inc., her ex-husband Rob, her alma mater State University, and Timely Credit Company are her creditors.
For these parties, a petition in bankruptcy for relief through an individual’s repayment plan could be filed by:

a. Petunia only.
b. Petunia, her employer, or her creditors only.
c. Petunia or her creditors only.
d. Petunia’s employer only.