The term "dunning recipient" refers to an individual or entity that owes a debt and receives communication, or "dunning", about payment. Synonyms for this term include debtor, account holder, borrower, delinquent customer, and late payer. Some more informal alternatives include deadbeat, moocher, and nonpayer. Depending on the context, additional terms may be used to describe the specific type of debt or payment arrangement, such as mortgage holder or credit card user. Ultimately, the term used to describe a dunning recipient will vary depending on the situation and the level of formality required.