Debtor.
You call them 'The person I owe money to'
The presence of owing money is referred to as being 'in debt'. A person who is in debt is a debtor.
umm by phone or if the question is meant to be (waht do you call a person with a lot of money) that answer is rich
Poor
A——T
Flowing honey
Electrician!
A payee.
a spendthrift
spendthrift
A borrower
smart