Has Bills is a phrase that refers to someone who has financial obligations and must pay them. It is usually used in the context of someone having to pay bills, such as rent, utilities, or credit card payments. This phrase can also be used to refer to someone who has a lot of debt and is struggling to pay it off. In the crossword puzzle, the four letter solution for Has Bills is OWES, which is an appropriate word to describe someone who has financial obligations and must pay them.