The most common and most likely answer to this crossword clue is the 9 letter word OVERDRAWS
I've seen this crossword clue in The Daily Telegraph
O
V
E
R
D
R
A
W
S
Buddy explains!

The straight part
We know that "gets into debt" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case gets into debt = overdraws.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does OVERDRAWS mean?
OVERDRAWS noun- The process by which, during the rendering of a three-dimensional scene, a pixel is replaced by one that is closer to the viewpoint, as determined by their Z coordinates.
- To withdraw more money from an account than there is credit; to make an overdraft
- To use a device for shooting arrows shorter than the draw of the bow.
- To exaggerate.
- To draw over the top of existing content.