When a debtor defaults on a secured debt, the creditor:

A. May only proceed against any surety on the obligation.

B. May only proceed against the security in order to have it sold and the proceeds applied to the debt.

C. May only continue efforts to collect from the debtor personally the funds that are owed.

D. May continue efforts to collect from the debtor personally the funds that are owed, may proceed against the security in order to have it sold and the proceeds applied to the debt, or may proceed against any surety on the obligation.