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a lump-sum loan from a credit union. Question 12. Question : (TCO 3) Usually, medium-priced loans can be obtained from parents or family members. commercial banks and credit unions. the Diners Club. finance companies. American Express. Question 13. Question : (TCO 3) What is the top reason why Medical expenses Defective goods and services Excessive use of credit Fraudulent use of credit Consumer fraud Question 14. Question : (TCO 3) The following bankruptcy option allows a debtor with a regular income to extinguish his or her debts from future earnings over time. Chapter 7 Chapter 11 Chapter 13 Chapter 15 Chapter 3