Web Warrior, LLC was started as a one-person company in the business of designing websites with a reputation for cutting-edge work. Stafford, the sole owner, embarked on an aggressive expansion plan. To finance the expansion, Stafford borrowed $50,000 from his wealthy Uncle Rich and signed a promissory note. He also took out a loan from Local Bank for a $25,000 line of credit for the LLC, which was secured by assets of the business and a personal guaranty by Stafford. Finally, Stafford purchased a piece of real estate for Web Warrior, LLC's headquarters and secured it through a mortgage via Big Time Lender. In order to obtain the mortgage, Big Time Lender required Stafford's wealthy Aunt Petunia to cosign the loan as a surety.

What is Big Time Lender's status as a creditor? If Web Warrior, LLC defaults on the mortgage, what are Big Time Lender's options?