“负债的”常见英文表达是 “in debt”（常作表语，描述处于负债的状态 ）或者 “debt-ridden”（形容词，意为“负债累累的；债台高筑的” ） 。
In debt：
After losing his job, he found himself deeply in debt.（失业后，他发现自己负债累累。）
They had to sell their house because they were in debt.（他们因为负债不得不卖掉房子。）
Debt-ridden：
The company became debt-ridden after several failed investments.（几次投资失败后，这家公司负债累累。）
Many small businesses are struggling to survive in this debt-ridden economy.（在这负债累累的经济环境下，许多小企业都在艰难求生 。）