Possible Clues:

• Has to return a favor, e.g.
• Hasn't repaid yet
• Stitch up round what one has not paid for
• Isn't solvent
• Needs a loan, maybe
• Is unsettled by the exclamations heard
• Runs up credit card debt
• Is behind on bills (... first 2)
• It's us that's in debt, so it comes back about us
• Indebted to