creditors. Sylvia is determined, however, that she will not file bankruptcy. Some of Sylvia's creditors get together to discuss what they can do to force Sylvia to file bankruptcy so they can at least recover some of the funds owed to them. Sylvia owes money to eight different creditors. Sylvia's creditors can force her into an involuntary bankruptcy:

if two or more creditors having a collective claim of $$15,775$ or more file the involuntary bankruptcy petition.

if one or more creditors having a claim of $$15,775$ or more files the involuntary bankruptcy petition.

if three or more creditors having unsecured claims of $$15,775$ or more file the involuntary bankruptcy petition.

under no circumstances; a bankruptcy petition can only be filed by the debtor.