Nobody can prevent you from entering your home,
how much more your own country.
If you have a pending criminal case here,
baka puede pa.deretso sa jail.
But utang? of course not.
Remember :
There is no such thing as " Do Not Enter"
order being issued by a court.
Further reference:
http://failuretopaycreditcard.blogspot.com/2010/08/going-abroad.html