Correct

欠债

/ qiànzhài / 
Strokes

Definition

to owe a debt/the sum owed

Example

As a Verb

be in debt; owe a debt

1
Qiànzhài
欠债
róngyì
容易
huánzhài
还债
nán
难
  
。

It's easier to run into debt than to get out of it.

2
Qiànzhài
欠债
léiléi
累累

be bogged in debt; be up to the neck in debts

3
Qiànzhài
欠债
bù
不
hái
还

not pay the money one owes

4
Huán
还
qīng
清
qiànzhài
欠债

clear/pay off one's debt; settle a debt