Back in street, bedraggled person owed money (6)

I believe the answer is:

debtee

'person owed money' is the definition.

'back in street bedraggled' is the wordplay.
'back' says the letters should be written in reverse.
'in' says the answer is hidden in the clue.
'eetbed' is hidden in the letters of 'street bedraggled'.
'eetbed' back-to-front is 'DEBTEE'.

(Another definition for debtee that I've seen is " I may have lent money".)

I've seen this clue in The Times.

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