In Law 48, what is a creditor?

Katie owns her home and decides to sell the house herself. she lives in a state with no disclosure laws if sold directly by an owner, but katie filled out property condition disclosure paperwork anyway. one month later the property is under contract and will close in seven days. while doing a final house cleaning, katie discovers evidence of mice. katie can mitigate the problem without alerting the new owners or let them know about this new disclosure and possibly delay or jeopardise the sale. katie is now faced with a(n) dilemma.