Creditor
A creditor is a party (e.g. person, organization, company, or government)
that has a claim to the services of a second party. The first party, in
general, has provided some property or service to the second party under the
assumption (usually enforced by contract) that the second party will return
an equivalent property or service. The second party is frequently called a
debtor or borrower.
Simply put, creditors are people to whom someone owes money.
The term creditor is frequently used in the financial world, especially in
reference to short term loans, long term bonds, and mortgages. In law, a
person who has a money judgment entered in their favor by a court is called
a judgement creditor.
The term creditor derives from the notion of credit. In modern America,
credit refers to a rating which indicates the likelihood a borrower will pay
back his or her loan. In earlier times, credit also referred to reputation
or trustworthiness.
From: Wikipedia
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