Eduardo is a debtor. Furniture Mart is Eduardo's employer. Guaranty Credit, Inc., and the government are Eduardo's credi?tors. For these parties, a petition in bankruptcy for relief through an individual's repayment plan could be filed by

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Only Eduardo, the debtor, can file for bankruptcy and initiate a repayment plan. Furniture Mart, as the employer, does not have the legal authority to file for bankruptcy on behalf of Eduardo. Guaranty Credit, Inc. and the government may file a joint petition for bankruptcy against Eduardo, but it would be for liquidation rather than a repayment plan. Therefore, the only valid choice is B.

Eduardo Is a Debtor