How to say some people are up to their necks in debt. in Japanese

1)借金借金(shakkin) (n,vs) debt/loan/liabilitiesで(de) (prt) indicates location of action/at/in/indicates time of action/indicates means of action/cause of effect/by/and then/so/indicates continuing action/ indicates certainty, emphasis, etc.首(kubi) (n) obitoが(ga) (prt) indicates sentence subject/indicates possessive/but/however/still/and回らno dictionary result, likely a conjigated verbno dictionary result, likely a conjigated verbないない(nai) (aux-adj) not/emphatic suffix人(nin) (suf) -ian/-er/man/person/peopleもいるno dictionary result, likely a conjigated verbno dictionary result, likely a conjigated verb。(。) Japanese period "."    
shakkin de kubi ga mawara nai nin moiru 。
Grammer form日常会話 (Casual form)Casual form (nichijoukaiwa)
everyday casual language, commonly used between friends and family.
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