Pet debt is putting more people in debt. In Mass., the MSPCA is taking people to court.

Yvette Ramos raised her right hand and swore to tell the truth in a West Roxbury courtroom on a recent fall day.

The Canton single mother was facing a civil lawsuit in small claims court for $471, a debt she owed to Angell Animal Medical Center in Jamaica Plain to care for her two dogs.

At the informal trial, Ramos told a clerk magistrate that an attorney for the hospital had just offered to help her set up a payment plan — but she simply couldn’t afford to pay…

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