Unconsciously creating creating something you don't want in order to avoid something else you don't want? That sounds like LoA.
We'll unintentionally create barriers that force our path off one that we don't like. The trick is recognizing it. Most people just sit there on the side of the road complaining about it, or try and break the barrier down, rather than turning around and going back on the path that's set for them.
The debt isn't real anyways, it only exists in a conversation between you, your family and the people you owe the money to. It's written down on papers and saved in computer systems, but that's just more of the conversation. People will just up and down believing it to be real, but it's only as real as people talk it into reality. If it were real you could point to it, like a tree or a person, but in reality it's a number on a piece of paper. A number that doesn't mean anything.
You will still have to deal with it though, but it just means that you own the debt, the debt does not own you. You are real, it's not, and it doesn't have any control over you.