Unsecured debt includes any debt not linked to an asset. Money freely lent to you based only on your promise to repay it is unsecured. Types of debts that typically fall under the unsecured category are credit cards not secured by property (most credit cards are unsecured), medical bills, repossession deficiencies, foreclosure deficiencies, signature loans, and any other type of standard consumer credit line.

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Although most retail store cards are unsecured, just because you have a plastic card from the store doesn't automatically make the debt unsecured. One thing to keep in mind, the contract with your creditor determines whether the debt is secured or unsecured, sometimes a debt that appears to be unsecured may actually be linked to some property if the consumer has more than one loan with the same bank through a concept called "cross-collateralization." For example you may have a home mortgage with Wells Fargo Bank, this is clearly a secured debt with your home as the collateral. When Wells Fargo Bank later sends you a credit card application and you take them up on their offer, you may be in a cross-collateralization situation because the new credit card may be tied to the mortgage you already have with the bank.