Cryptic crossword clue
Worriedly anticipate bill coming in will scupper one 12

The most common and most likely answer to this crossword clue is the 12 letter word INCAPACITATE

I've seen this crossword clue in The Guardian
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Buddy explains!

The straight part
We know that "scupper one" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case scupper one = incapacitate.
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 INCAPACITATE mean?

INCAPACITATE verb
  1. To make someone or something incapable of doing something; to disable.
  2. To make someone ineligible; to disqualify.

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