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Answer:
INDEBT
Possible Questions:
Owing
Owing money
Behind on bills
Beholden (to)
Behind on payments
With outstanding bills
With markers out
Over a barrel
Not paid up
Mortgaged
Living on plastic, e.g.
Like many a college grad, nowadays
Having liabilities
Having a mortgage, e.g.
Covered with red ink
Charging too much
Behind, so to speak
Behind with payments