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I wish to say that I did something which put me in debt to someone, without naming the person. How would I phrase this?

Example: But one afternoon near the end of my time on the farm, I took out a new debt.

EDIT: the debt is not literal (i.e. $), it is figurative.

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    You "incur" debt all at once, usually, but you can "draw it down" by paying it off over time. – Robusto Nov 8 '15 at 15:05
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    You can take on debt in the sense of accepting a challenge (or of assuming someone else's debt), but you would take out the instrument of debt— a mortgage, a bond, a line of credit, a loan, etc. – choster Nov 8 '15 at 15:28
  • Thanks choster, that distinction is what I was looking for. – Isaac Scheinfeld Nov 10 '15 at 2:57
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You could use "take out a loan":

A thing that is borrowed, especially a sum of money that is expected to be paid back with interest: ‘borrowers can take out a loan for £84,000’

[Oxford Online Dictionary]

Take out a loan is broadly used:

to get a loan of money, especially from a bank. Mary took out a loan to buy a car. We will have to take out a loan to remodel the kitchen.

[McGraw-Hill Dictionary of American Idioms and Phrasal Verbs.]

You could also consider "go into debt":

She went into debt to pay for college.

[Merriam-Webster]

Or "incur debt" as suggested in the comment.

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Answering these questions would add context to aid in obtaining the most appropriate or best wording:

Is/was this a literal (i.e., monetary) debt, an actual loan (casual, or formally documented)?

Is/was the debt in the form of money or property because you damaged property (intentionally, or by accident/due to carelessness)?

Or is/was it more in the figurative sense, as a moral obligation ('debt') incurred due to something you did or said that was offensive? Or, in the positive sense, is/was it the proverbial 'debt of gratitude' due to some act of kindness by the other person preventing loss, injury, or embarrassment to you?

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