The best replacement for debts is trespasses.

The best alternatives to debts are rated as following:
★★★★★  trespasses
★  debt
★  unsecured debts
★  long term debts
★  liabilities
★  doubtful accounts
★  debits
  doubtful debts
  forgive us our trespasses
  equity taxes
  meet ones liabilities
  bad debts

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Speaking about debts, one probably shouldn't forget about statute of limitations.

Other search terms related to debts and their ratings are:
★★★★★ statute of limitations
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debts
trespasses
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