creditorilor

Creditors are persons or institutions to whom a debtor owes money or performance under a contractual obligation. In Romanian usage, creditorilor is the genitive/dative plural form referring to the creditors as a group, as in drepturile creditorilor or creanțe ale creditorilor. Creditors may be banks, other financial institutions, suppliers, companies, or individuals.

They can hold secured claims backed by collateral, or unsecured claims with no security. Some creditors may enjoy preferential status in certain legal contexts, such as employees for wages or tax authorities, depending on the jurisdiction.

The core interest of creditors is the timely repayment of the debt. When a debtor defaults, creditors can demand payment, seek to enforce collateral, or initiate legal action. In many jurisdictions, creditors may participate in restructuring processes, vote on plans, or form committees to coordinate enforcement.

In insolvency or bankruptcy, claims are typically admitted and ranked to determine a payment order. Secured creditors are usually paid from the proceeds of collateral; unsecured creditors are paid from remaining assets, according to statutory rankings.

Creditors' rights are balanced by protections for debtors and by regulatory frameworks that govern lending, collection, and insolvency. The term creditorilor emphasizes the group of creditors involved in contractual and legal contexts.