handwriting text debt management. concept meaning the formal agreement between a debtor and a creditor

money owed to others capital commitment credit deficit indebtedness liability mortgage obligationreceipt iou albatross baggage claim debenture debit dues duty encumbrance invoice manifest reckoning responsibility voucher arrearage bad news below the line dead horse in hock hole red outstandings promissory note ink debt itemized account ratio debtor control financial management plan consumer cash manage affordable rate vulnerabilities program risk