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<h1>Understanding 'Creditor' in Insolvency and Bankruptcy Code: Who Can Claim a Debt Under Section 3(10)?</h1> A creditor, as defined under section 3(10) of the Insolvency and Bankruptcy Code, 2016, is any person to whom a debt is owed. This definition encompasses financial creditors, operational creditors, secured creditors, unsecured creditors, and decree-holders.