Dreaming of owing someone money is a bad omen as per dream interpretation and meaning. It is a sign of job loss or financial problems in future. The dream is asking you to use your wealth and resources intelligently. Dreams of owing someone money also means avoid taking risk with money. Utilize what you have properly without wasting.
Dream of owing someone money and you are sad or crying in the dream means you will soon see unexpected money problems in life. It is also a kind of warning that people will take advantage of you by acting as friends and later harass or blackmail you.
Dream of owing someone money and you see family members or relatives means debt or fines or hospital bills in near future. It also means relatives harassing you in money matters.
Dream of owing someone money and it is a stranger means you will be robbed or cheated in an unknown place. You should be careful while traveling to unknown places.