debt instrument

NOUN
15 LETTERS · STARTS WITH D

debt instrument is a valid 15-letter word worth 19 points in Scrabble and 24 points in Words with Friends.

SCRABBLE WORDS WITH FRIENDS
D2E1B3T1I1N1S1T1R1U1M3E1N1T1
2 + 1 + 3 + 1 + 0 + 1 + 1 + 1 + 1 + 1 + 1 + 3 + 1 + 1 + 1 =19 PTS
DOUBLE WORD → 38TRIPLE WORD → 57
MEANING

What does debt instrument mean?