Answer:

OWES

Answer	Crossword Clue
OWES	In debt
OWES	Is in debt
OWES	Hasn't ponied up

OWES	Has bills
OWES	Takes credit
OWES	Is in danger of having one's legs broken, say
OWES	Has a balance
OWES	Is obligated to
OWES	Is shy
OWES	Has creditors
OWES	Has to repay

OWES	Comes up short
OWES	Must pay
OWES	Is obligated
OWES	Is beholden
OWES	Is beholden to
OWES	Is in the red
OWES	Isn't willing to settle?
OWES	Hasn't yet paid

OWES	Hasn't paid yet
OWES	Has debts
OWES	Has an obligation to
OWES	Has to pay
OWES	Has obligations, say
OWES	Is short
OWES	Has markers out
OWES	Gets credit for?

OWES	Needs to cough up, so to speak
OWES	Hasn't yet settled
OWES	Is behind, in a way
OWES	Has outstanding bills
OWES	Hasn't settled yet
OWES	Carries a mortgage, say
OWES	Has a mortgage, say
OWES	Is shy, in a way

OWES	Has obligations
OWES	Sees red?
OWES	Is attributable (to)
OWES	Is indebted to
OWES	Falls behind on payments