Sorry, no online dictionaries contain the exact phrase when you are in debt.
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Reverse dictionary results:
1. arrears
2. blame
3. bondage
4. borrowing
5. claim
6. claims
7. credence
8. dean
9. debtor
10. debts
11. dette
12. dion
13. dun
14. duty
15. fault
16. guilt
17. indebtedness
18. leverage
19. liabilities
20. loans
21. obligation
22. obligations
23. owe
24. owed
25. owing
26. receivable
27. receivables
28. relief
29. religion
30. religious
31. repayment
32. school
33. score
34. securities
35. behind
36. behindhand
37. cancellation
38. clerics
39. crisis
40. detail

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You can look up the words in the phrase individually using these links:   when ?   you ?   are ?   in ?   debt ?
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when*to search for words beginning with when, or
*debtto search for words ending with debt
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