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Debit cards eliminate the need to carry cash or physical checks to make purchases, and can also be used at ATMs to withdraw cash. Debt is money borrowed by one party from another.# The debt collector is responsible for collecting overdue debts to creditors. Debt consolidation is the act of taking one loan to pay off multiple debts. Debt financing occurs when a company raises money by selling debt instruments to investors. A debt fund refers to a mutual fund, an exchange-traded fund (ETF) or any other pooled investment offering whose underlying investment primarily contains fixed income investments. Any type of instrument initially classified as debt can be considered a debt instrument. Debt issuance involves the offer by the creditor of new bonds or other debt instruments in order to obtain borrowed capital. Debt overhang refers to a debt burden so large that an organization cannot take on additional debt to fund future projects. The debt ratio measures the amount of leverage used by a company in terms of total debt to total assets.