"Snakes to whom she owed money"
Usually when you owe money, it is because you received something which you now owe for.
So these "Snakes" gave her goods or services, on credit. Services she needed or desired. Now they want to get paid so they are "snakes".
I will bet you didn't call them "snakes" when you were getting their goods and services on credit.
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the whole point of the series is to interact with the reader on an emotional level glad that happened . thanks for reading :)