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Answer:
OWER
Possible Questions:
One in a hole
One in the red
Shy guy
One with debts
Short person?
One in the hole
One in debt
Shy person?
Poor credit risk
One in arrears
Debtor
Deadbeat, e.g.
Collection agent's target
Someone who's short?
Shy guy?
Person in the hole
Person in debt
Outstanding one?
One with creditors
One with a tab
One who's shy
One who's in the hole
One who charges
One not making good
One making markers
Endebted individual
Chit writer
Beholden one