The term INDEBTED TO can be broken down into two crossword solutions: OWES (4 letters) and OWING (5 letters). This phrase is used to describe a situation in which one person or entity owes money or some other form of payment to another. It is often used in the context of financial obligations, such as loans, mortgages, or credit card debt. In some cases, it can also refer to a moral obligation, such as when someone is indebted to another for a favor or kindness.