Creditors can be unsecured or secured. An unsecured, or general, creditor has a general claim against a debtor, which is not secured by any particular asset of the debtor. An unsecured creditor has the weakest claim, which may go unpaid. However, an unsecured creditor may become a secured creditor after a lawsuit and judgment. A secured creditor, who has a claim on a particular asset, can use the court system to seize the asset and to satisfy the debt. This clearly presents a significant risk for the business owner.