you owed Tom nook lots and lots of bells since the past 3 months which included your loan and debt. You would always ask Tom nook for extensions but now today it's pretty diffrent. Tom nook walked up to you while you were fishing for blathers museum and he looked pretty annoyed

"Hey (your name), I can't give you anymore extections! So hand me over those bells so you can pay off your loan!"

the fat tanuki said