velkojien
Velkojien is the genitive plural form of velkoja, a creditor, in Finnish. The term refers collectively to persons or entities that hold claims for payment against one or more debtors. In everyday Finnish, velkojien rights, obligations and procedures are discussed in the context of debt collection, commercial credit, and insolvency processes.
Velkojat include banks, other financial institutions, businesses with outstanding invoices, and individuals who are owed money
In insolvency or restructuring, velkojien interests are protected under law, and their claims are pursued through
Finnish creditor law is shaped by national statutes and European Union rules on cross-border insolvency and