The term 'BEHIND ON BILLS' can be summarized by four crossword solutions: OWE (3 letters), OWES (4 letters), OWED (4 letters), and INDEBT (6 letters). OWE means to be obligated to pay money, OWES is the present tense of OWE, OWED is the past tense of OWE, and INDEBT is a more formal version of OWE. All of these terms refer to a situation in which someone has not paid their bills and is now behind on them.