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| I owe I owe |
| you owe you owe |
| he/she/it owes he/she/it owes |
| we owe we owe |
| they owe they owe |
| you owe you owe |
| I do not owe I don't owe |
| you do not owe you don't owe |
| he/she/it does not owe he/she/it doesn't owe |
| we do not owe we don't owe |
| they do not owe they don't owe |
| you do not owe you don't owe |
| I owed I owed |
| you owed you owed |
| he/she/it owed he/she/it owed |
| we owed we owed |
| they owed they owed |
| you owed you owed |
| I did not owe I didn't owe |
| you did not owe you didn't owe |
| he/she/it did not owe he/she/it didn't owe |
| we did not owe we didn't owe |
| they did not owe they didn't owe |
| you did not owe you didn't owe |
| I will owe I'll owe |
| you will owe you'll owe |
| he/she/it will owe he/she/it'll owe |
| we will owe we'll owe |
| they will owe they'll owe |
| you will owe you'll owe |
| I will not owe I won't owe |
| you will not owe you won't owe |
| he/she/it will not owe he/she/it won't owe |
| we will not owe we won't owe |
| they will not owe they won't owe |
| you will not owe you won't owe |
| I have owed I've owed |
| you have owed you've owed |
| he/she/it has owed he/she/it's owed |
| we have owed we've owed |
| they have owed they've owed |
| you have owed you've owed |
| I have not owed I haven't owed |
| you have not owed you haven't owed |
| he/she/it has not owed he/she/it hasn't owed |
| we have not owed we haven't owed |
| they have not owed they haven't owed |
| you have not owed you haven't owed |
| I had owed I'd owed |
| you had owed you'd owed |
| he/she/it had owed he/she/it'd owed |
| we had owed we'd owed |
| they had owed they'd owed |
| you had owed you'd owed |
| I had not owed I hadn't owed |
| you had not owed you hadn't owed |
| he/she/it had not owed he/she/it hadn't owed |
| we had not owed we hadn't owed |
| they had not owed they hadn't owed |
| you had not owed you hadn't owed |
| I will have owed I'll have owed |
| you will have owed you'll have owed |
| he/she/it will have owed he/she/it'll have owed |
| we will have owed we'll have owed |
| they will have owed they'll have owed |
| you will have owed you'll have owed |
| I will not have owed I won't have owed |
| you will not have owed you won't have owed |
| he/she/it will not have owed he/she/it won't have owed |
| we will not have owed we won't have owed |
| they will not have owed they won't have owed |
| you will not have owed you won't have owed |
| I am owing I'm owing |
| you are owing you're owing |
| he/she/it is owing he/she/it's owing |
| we are owing we're owing |
| they are owing they're owing |
| you are owing you're owing |
| I am not owing I'm not owing |
| you are not owing you aren't owing |
| he/she/it is not owing he/she/it isn't owing |
| we are not owing we aren't owing |
| they are not owing they aren't owing |
| you are not owing you aren't owing |
| I was owing I was owing |
| you were owing you were owing |
| he/she/it was owing he/she/it was owing |
| we were owing we were owing |
| they were owing they were owing |
| you were owing you were owing |
| I was not owing I wasn't owing |
| you were not owing you weren't owing |
| he/she/it was not owing he/she/it wasn't owing |
| we were not owing we weren't owing |
| they were not owing they weren't owing |
| you were not owing you weren't owing |
| I will be owing I'll be owing |
| you will be owing you'll be owing |
| he/she/it will be owing he/she/it'll be owing |
| we will be owing we'll be owing |
| they will be owing they'll be owing |
| you will be owing you'll be owing |
| I will not be owing I won't be owing |
| you will not be owing you won't be owing |
| he/she/it will not be owing he/she/it won't be owing |
| we will not be owing we won't be owing |
| they will not be owing they won't be owing |
| you will not be owing you won't be owing |
| I have been owing I've been owing |
| you have been owing you've been owing |
| he/she/it has been owing he/she/it's been owing |
| we have been owing we've been owing |
| they have been owing they've been owing |
| you have been owing you've been owing |
| I have not been owing I haven't been owing |
| you have not been owing you haven't been owing |
| he/she/it has not been owing he/she/it hasn't been owing |
| we have not been owing we haven't been owing |
| they have not been owing they haven't been owing |
| you have not been owing you haven't been owing |
| I had been owing I'd been owing |
| you had been owing you'd been owing |
| he/she/it had been owing he/she/it'd been owing |
| we had been owing we'd been owing |
| they had been owing they'd been owing |
| you had been owing you'd been owing |
| I had not been owing I hadn't been owing |
| you had not been owing you hadn't been owing |
| he/she/it had not been owing he/she/it hadn't been owing |
| we had not been owing we hadn't been owing |
| they had not been owing they hadn't been owing |
| you had not been owing you hadn't been owing |
| I will have been owing I'll have been owing |
| you will have been owing you'll have been owing |
| he/she/it will have been owing he/she/it'll have been owing |
| we will have been owing we'll have been owing |
| they will have been owing they'll have been owing |
| you will have been owing you'll have been owing |
| I will not have been owing I won't have been owing |
| you will not have been owing you won't have been owing |
| he/she/it will not have been owing he/she/it won't have been owing |
| we will not have been owing we won't have been owing |
| they will not have been owing they won't have been owing |
| you will not have been owing you won't have been owing |
| I would owe I would owe |
| you would owe you would owe |
| he/she/it would owe he/she/it would owe |
| we would owe we would owe |
| they would owe they would owe |
| you would owe you would owe |
| I would not owe I wouldn't owe |
| you would not owe you wouldn't owe |
| he/she/it would not owe he/she/it wouldn't owe |
| we would not owe we wouldn't owe |
| they would not owe they wouldn't owe |
| you would not owe you wouldn't owe |
| I would have owed I would've owed |
| you would have owed you would've owed |
| he/she/it would have owed he/she/it would've owed |
| we would have owed we would've owed |
| they would have owed they would've owed |
| you would have owed you would've owed |
| I would not have owed I wouldn't have owed |
| you would not have owed you wouldn't have owed |
| he/she/it would not have owed he/she/it wouldn't have owed |
| we would not have owed we wouldn't have owed |
| they would not have owed they wouldn't have owed |
| you would not have owed you wouldn't have owed |
| (you) owe (you) owe |
| (we) let's owe (we) let's owe |
| (you) owe (you) owe |
| (you) do not owe (you) don't owe |
| (we) let's not owe (we) let's not owe |
| (you) do not owe (you) don't owe |