I owe some people money. It adds up to a four figure sum (maybe just over the edge into five). I’m paying it off as best I can, a regular amount every month.
One person owes me money that adds up to a four figure sum. They’ve promised to pay some of it back next month. We’ll see.
The Inland Revenue owe me a four figure sum, according to my self-assessed tax return. I’m still waiting for them to confirm my calculations and send me the cheque.
That is all you need to know about my relationship to debt.