I am in an a lot of debt, I own money to my debtor, a second party.
Oh no that's unfortunate to hear, debt is a really big problem in the United States I think.
Yes, especially since the great depression, when the stock market had a crash that triggered a panic sell!
That was certainly an unfortunate time in American economic history. What kind of debt do you have, credit card debt perhaps?
Oh, yes, lots of credit card debit, it just accumulates and increases via interest and penalties.
Yes that's true, it's very important to pay your credit card bill every month to avoid interest fees!
Oh yes, but I was a victim of credit card fraud, a wide-ranging term for theft and fraud
Oh my that's terrible to hear, I hope you can get everything sorted out properly.