I wouldn't exactly call it "ugly," but it does sound a little stupid. I notice you use "debtors' " in the plural. So are you looking for a phrase to mean all the money owed to you by all debtors, as a single sum, or that amount owed by a single debtor?
"Accounts receivable" comes to mind, but I think of that more as a list of names and amounts together, describing debts which are now payable, or perhaps overdue. ("Payable" is probably a bad word here, because from your point of view, accounts payable are the ones which you are supposed to pay. I meant, "payable
to you, not
by you.)
When someone owes you money, it may not be due for another five years. Are you thinking only of debts which are past due?
I also think of "my outstanding debts," but I'm afraid "ordinary people," as you say, would be as confused as I am as to whether they're owed
to me or
by me. ("My outstanding credits" is not a natural thing to say.)
I've verified that "my outstanding debts" flows in the direction of "my debtors' debts," but I don't think this would be widely understood.
(In legal wills I find the expression, "I would like this to be paid with money from my outstanding debts.")
- A.