Saying "if it's your debt, then pay it" is not helpful, as it states the obvious and is a put down.
Inta ay meel-fadhiisinta ku jirto ka faa'iidayso, waa meel laga fakin karee! Misana wuxuu is-yiri, Waa intaasoo xaalku hagaagaaye waxba ha is- biimayn.