The term WAS IN DEBT TO can be summarized as 'OWED'. This phrase is used to describe a situation in which one person or entity owes money to another. It is often used in the context of financial transactions, such as when a borrower has taken out a loan and is obligated to repay the lender. In other cases, it may refer to a situation in which one person has done a favor for another and is now expected to receive something in return.