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Spooner's relative speculates in toxic assets (3,5)

Ross

I believe the answer is:

bad debts

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'assets' is the definition.
The answer and definition can be both related to property as well as being plural nouns.
Maybe there's a link between them I don't understand?

I can't explain the rest of the clue.

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(Other definitions for bad debts that I've seen before include "Uncollectible loans or favours" , "Moneys loaned but not recoverable" , "'They're unlikely to be repaid (3,5)'" , "Moneys loaned but irrecoverable" , "Loans unlikely to be repaid" .)

I've seen this clue in The Times.
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