yīnwèi / huán / bu / qǐ / qián / tā / zhǐhǎo / yòng / jiāzhōng / de / niú / lái / dǐngzhàng

因为还不起钱，他只好用家中的牛来顶账。

Because he couldn't pay the debt, he had to use his family's cow to settle it.