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Bette, I don't know that I have any advice for you because I've had no experience with what you're suggesting...
First, you're suggesting that you don't have any ideas for a business - you're hoping someone here can point you in the right direction - and honestly, I don't believe that's the way to approach a new business. I firmly believe that if you're going to go into business, it should be in an area you feel passionate about, because it takes a lot of work to bring a new business into being, and if you don't passionately want it, it's way too easy to give up.
Second, you're suggesting that you're already in debt, and that's a really scary proposition for a new business owner.
Third, you're suggesting that you don't want to work from home, which is often the safest, easiest, least risky way to get started. If you're well-funded, then yeah, skip the incubator period and rent office space - but if you're already in debt, then starting at home can be a good idea.
Bottom line for me, you can start a business with no money, even if you're in debt, if you're willing to start very very small and if you feel a lot of passion for what you're about to do - millions do it every year! Or you can start with a wad of capital, and an office, and ten employees. But starting out in debt and still expecting the office and the ten employees? I just don't see how you could make that work?
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