A debtor is a person that owes money to another person or organization, known as a Creditor.

After a death, the deceased person may be in Debt to a variety of creditors, like banks, credit card companies, mortgage lenders, or medical and healthcare organizations.

In order to Distribute Assets of their Estate to Surviving Family members, Heirs, or other Beneficiaries, all of the deceased's outstanding debts must first be repaid.

During this process, known as Estate Administration, the estate's Executor or Administrator takes on the responsibility of identifying creditors, notifying them, and managing the repayments.