I don't have any but have had really bad debt in the past.
Not enough for legal stuff etc but enough that most of our salaries were going on paying it off.
One of the debts was for council tax arrears back in the day when Thatcher introduced the poll tax and we stupidly didn't pay it for two years as a protest.
Came right back to bite us on the arse as we both worked for a LA, so they just took it out of our wages 😬
Then we went to Habitat to buy dining room furniture (back when Habitat was an expensive option) and they offered us interest free credit, then told us we weren't eligible as we had no debt, no overdraft, nothing. So we paid cash and then went and got all of the above.
Ended up having to extend the mortgage for a few years, which isn't an option for people who rent.
Now I won't even use our overdraft which we reduced to £500, but I can't use it. It makes me anxious.
Its awful having debt.
Thankfully behind us but I feel for people who have it.