I'm currently writing fiction about a firm that collects debt from citizens who owe money to various places, such as banks, or government agencies (involving government loans or unpaid taxes). Is there a word to describe someone who owes a debt, specifically money, or does it vary depending on where the money is owed to? If a person who collects debt is a debt collector, perhaps a debt collectee?
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We call that person a "debtor." (You can use this with companies too).
And I think you should use "creditor" for the other person.