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?

3 Answers 3


We call that person a "debtor." (You can use this with companies too).

And I think you should use "creditor" for the other person.

  • Actually, the firm she is writing about would be called a Collections Agency." They typically provide collection services to the actual creditor for some percentage of the amount collected- either by buying the debt outright at a discount or through a collections contract.
    – Jim
    Commented Jun 2, 2012 at 21:30

The word you're looking for is debtor.


Beside debtor, you could use borrower and in case of mortgages mortgager.

Not the answer you're looking for? Browse other questions tagged or ask your own question.