When taking bath, you so encounter trouble! (3,4,3,5)
I believe the answer is:
get into hot water
'when taking bath you' is the definition.
I know nothing about this answer so I cannot tell whether this works.
'encounter trouble' is the wordplay.
'encounter' becomes 'getinto' (I can't explain this - if you can you should believe this answer much more).
'trouble' becomes 'hot water' (to get in hot water is to get in trouble).
'getinto'+'hotwater'='GET INTO HOT WATER'
'so' is the link.
Can you help me to learn more?
(Other definitions for get into hot water that I've seen before include "as you do, in a jacuzzi" , "Find trouble" .)