
Debtor
Financial Stress
Refers to an individual having financial obligations causing worry or difficulty.

As a debtor, he constantly worried about paying his bills on time.
Neutral Term
Though factual, it can imply misfortune or struggle without moral judgment.

Even successful businesses can be debtors at various points.
Temporary Status
Being a debtor may be a temporary situation, not a permanent characteristic.

After receiving his bonus, he was no longer a debtor.
Compare with
BorrowerDefaulterInsolventMortgagor
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