/ˈkrɛdɪtərz kɒmpəˈzɪʃn/ – Phrase
Definition: Thỏa thuận giữa các chủ nợ.
A more thorough explanation: an agreement between a debtor (=someone who owes money) and a creditor (=someone owed money) to settle the debt for less than the total amount
Example: A creditors’ composition is one of several procedures available to an entrepreneur in financial difficulty.