How to say if i had money, i would pay what i owe you. as it is, i can't pay. in Japanese

1)金(kin) (ok) money/metalが(ga) (prt) indicates sentence subject/indicates possessive/but/however/still/andあればno dictionary result, likely a conjigated verbno dictionary result, likely a conjigated verb借金借金(shakkin) (n,vs) debt/loan/liabilitiesを(wo) (prt) indicates direct object of action/indicates subject of causative expression/indicates an area traversed/indicates time over which action takes place/indicates point of departure or separation of action/indicates object of desire, like, hate,返す返す(kaesu) (v5s,vt) to return/to restore/to put back/to turn over/to turn upside down/to overturn/to pay back/to retaliate/to reciprocate/ to repeat .../to do ... backの(no) (prt) indicates possessive/nominalizes verbs and adjectives/substitutes for "ga" in subordinate phrases/indicates a confident conclusion/ indicates emotional emphasis/indicates questionだがだが(daga) (conj) but/however/yet/nevertheless/still/for all that、(、) Japanese comma現状現状(genjou) (n,adj-no) present condition/existing state/status quoではでは(deha) (conj,int) then/well/so/well thenno dictionary result, likely a conjigated verbno dictionary result, likely a conjigated verbえ(e) (int) eh?/eh/ strengthens a question, assertion, etc./used when calling out to someoneないない(nai) (aux-adj) not/emphatic suffix。(。) Japanese period "."    
kin gaareba shakkin wo kaesu nodaga 、 genjou deha harae nai 。
Grammer form日常会話 (Casual form)Casual form (nichijoukaiwa)
everyday casual language, commonly used between friends and family.
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