Crossword Genius

Bankrupt recalling rubbish place to sleep (6)

Ross

I believe the answer is:

debtor

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'bankrupt' is the definition.
The definition and answer can be both people as well as being singular nouns.
Perhaps you can see a link between them that I don't see?

'recalling rubbish place to sleep' is the wordplay.
'recalling' is a reversal indicator.
'rubbish' becomes 'rot' (both can mean nonsense).
'place to sleep' becomes 'bed' (I've seen this before).
'rot'+'bed'='rotbed'
'rotbed' in reverse letter order is 'DEBTOR'.

Can you help me to learn more?

(Other definitions for debtor that I've seen before include "Anyone owing money" , "Person owing money" , "Someone owing money" , "One of The Borrowers" , "One owing money" .)

I've seen this clue in The Times.
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