Potential answers for "Have a debt with"

⭐⭐⭐⭐ OWETO
⭐ IOWEYOU
⭐ REPAYMENT
⭐ INCUR
⭐ IOU
⭐ DUN
⭐ BACKRENT
⭐ PAY
⭐ INDEEP

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Ted's alternate nickname   Tiny puncture   "You saved the day!"