Not completely skint, here debtor is overdrawn (2,3,3)
I believe the answer is:
in the red
'is overdrawn' is the definition.
(I've seen this in another clue)
'not completely skint here debtor' is the wordplay.
'not completely' indicates a hidden word.
'IN THE RED' is hidden within 'skint here debtor'.
(Other definitions for in the red that I've seen before include "Santa appears thus" , "have no credit" , "needing cash injection" , "Broke" , "Owing money, bank account overdrawn" .)