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A debtor is a person or a business that owes money, goods, or services to another. Whatever is owed is generally called the debt. The creditor is the one to whom the debt is owed. A legally enforceable debt normally arises out of a contract where something of value has been exchanged for a promise to provide money, goods, or services.
владеет деньгами
владелец денег
имеет деньги
должен деньги