Because debt is such a universal thing and it is something that we all seem to struggle with, it only makes sense that it would be the material of dreams.
Debt is something that everyone has to deal with. Whether you are the richest person in the world, or the poorest person with the fewest obligations, you will be in debt almost your entire life to one person, entity, or another at some point in time. While it might be easier for a rich person to actually pay their debt, they still have to deal with the stress of administrating the various projects that put them in debt, and all of the paperwork that makes actually paying those bills so difficult. Debt is something that is so difficult to handle because debt is so annoying.
If you have a dream in which you come into debt this is probably happening because you are in debt in real life. You have to overcome the debt that you are dealing with in the real world if you hope to get it off your mind so that you will not worry so much about it in the future. If you have a dream in which someone else is in debt to you, it would be a good idea to pay attention to who this person is. This kind of dream reminds you of the fact that you feel like this person owes you something I real life. You feel like they should really be in debt to you, like they owe you a lot of something. If you want to get past this dream, try having a conversation with them in real life so that you can determine why you feel like they owe you anything and what you are supposed to do about it.