Across and Down

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There are 59 clues with the answer 'OWER'
# CLUE
1.
Paying person
2.
One who borrows too much for Scots (4)
3.
Alternatively we go in to become a debtor (4)
4.
He's in debt
5.
Indebted individual
6.
He's in debt - too much for a Scot (4)
7.
Signer of IOUs
8.
A person in the red
9.
One who is in debt
10.
One with a debt
11.
He's always borrowin' money, we hear (4)
12.
Loan recipient
13.
Scot's superior to someone with debts
14.
Person with bills
15.
One who must pay
16.
Indebted person
17.
One who has a debt
18.
Someone who's short?
19.
Shy guy?
20.
One not making good
21.
Shy guy
22.
Someone who's shy
23.
Shy person?
24.
Person with a debt
25.
Person with a credit card, usually
26.
Person in debt
27.
Outstanding one?
28.
One with debts
29.
One with creditors
30.
One with a tab