A recent inquiry: What HOUSE governs DEBTS of the querent? The inquiry included explicit debts, of which both the debtor and creditor were aware. The inquiry also asked about "secret debts" of which one party may not be aware.

I confess that I do not really understand what a "secret debt" could be. The transfer of money or assets of which one party is unaware seems to me to be theft, not debt. So, I will leave that aside.

With respect to explicit DEBTS, I do not think there is a particular HOUSE assignment for it. I think what HOUSES are used in the judgment is going to depend on the question. "Will X pay me back the money I loaned her this month?" does not need to have a house assigned to debt. "Will I be able to pay back my loan this year?" can also be judged without assigning a house to the debt, itself.