Examlex
In APA style you use the first author's last name and "et al.":
Creditors
People or organizations that are creditors to whom debtors or borrowers owe money.
Novation
The replacement of an original contract with a new one, where a new party takes over the rights and duties of the original party, with the consent of all parties involved.
Extended Credit
A financial arrangement that allows borrowers extended time to pay off a debt beyond the typical due date, often involving interest or financing fees.
Release
In legal terms, a contract or agreement which frees one or more parties from liability, claims, or obligations.
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