16. Joseph owes $15,000 to Carmel Enterprises, $8,500 to Vulcan Co., $11,000 to David, and $11,500 to Sigma Enterprises. He has not been making payments on these debts for the past 20 months. Which of these creditors can force Joseph into involuntary bankruptcy?

A. Carmel Enterprises only

B. Sigma Enterprises, David and Vulcan Co. only

C. Carmel Enterprises, Sigma Enterprises, David, and Vulcan Co.

D. Carmel Enterprises and David only