Debt is anything owed by one party to another, such as money owed to a creditor. Due to their mutual laziness and propensities towards hoarding, Barbara and Chris are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris ten times (including three garnishment hearings against Chris), as of October 2022. According to court records, Barbara owes at least $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on 14 Branchland Court that consumes the lion's share of Chris's monthly tugboat.
Check out the Official CWCki Server Discord, and the sections about Chris at the Kiwi Farms and the CWCki Club forums, full of lively and often times thoughtful discussions on Chris and Sonichu. (Please limit extensive discussions and speculations there, and use the wiki talk pages or the CWCki-related channels in the Discord for article-related discussions).