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A debtor is someone who owes a financial obligation (a “debt”) to another, known as the creditor. An example of a debtor-creditor relationship is where a bank lends money to an individual or company, on the basis that the money has to be paid back at some point to the bank

"All credit is based on trust. A debtor - creditor relationship is a legal relationship that exists between the two parties. This relationship is based on good faith that both parties will uphold their end of the agreement. The debtor must repay the creditor based on the terms of the agreement."

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