👉 Non-creditors are individuals or entities who do not have a financial obligation to a creditor, such as a lender. They may be individuals with no assets, businesses that are self-employed, or other types of business owners without any debts owed by creditors. Non-creditors can include individuals who have been in debt for many years but still owe money, as well as those who do not receive regular payments from their employers or other creditors.
