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Some of the most common types of unsecured creditors include credit card companies, utilities, landlords, hospitals and doctor's offices, and lenders that issue personal or student loans (though education loans carry a special exception that prevents them from being discharged).

An unsecured creditor is a creditor that can claim monies that they are owed from a company only after secured creditors have done so. They rank above shareholders, but will only receive an amount of money that is deemed available through the prior sale of assets and after the secured creditors claims.

Also known as general creditor and general unsecured creditor. A creditor holding an unsecured claim, or having no liens against a debtor's property.

Unsecured creditors include suppliers, customers, contractors, and clients of the insolvent company, who must make a claim for repayment of their debt. As we've mentioned, it's common for this group of creditors to receive no dividend at all from the liquidation process as they fall at the end of the payment hierarchy.

Statement of Incapacity for Finances and Property (ET-4427). A document written by a physician stating that the principal is incapacitated to the extent that they cannot manage financial decisions. Being unable to make health care decisions does not meet this requirement.

The Power of Attorney for Health Care (POA-HC) Form (DHS Form F-00085) makes it possible for adults in Wisconsin to authorize other individuals (called health care agents) to make health care decisions on their behalf should they become incapacitated.