#1 DEBTOR: This is You

Commandment #1: “Thou shalt reap what thou sows.

By this, we mean you should be the “debtor” in whatever you submit.  An electric utility bill addressed to you is a good example.  In this case, you are the person responsible for the debt.  The utility company is the “creditor” who receives payment from you.

In contrast to this, let’s say you are suing the utility company, and have a court case proving they owe you $1,000.  This is NOT an appropriate submission, because in this case you are the creditor, not the debtor.