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In defining and diagnosing participants' problems, it is most important for the leader to
Creditor
An individual or institution to whom money is owed by a debtor.
Guarantor
A person or entity that agrees to be responsible for another's debt or performance under a contract if the original party fails to meet their obligations.
Debtor
An individual or organization that owes money to another party, often referred to in contexts involving loans or credit.
Bankruptcy Statutes
Laws governing the process by which individuals or entities can declare their inability to pay their debts and seek relief from some or all of them.
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