I cant download apps to my ipod because it says something to do with my time

I go to the computer to fix this problem , & it says i owe money , but i need to switch debit cards , because i cant use that one that i regerstered with .. & everything is messed up .

Unless you have iOS 4.3+ on your iPod (your current version is shown in Settings > General > About > Version) then you won't be able to download and install that app.
You can check if your iPod supports a higher version of iOS than you currently have by connecting it to computer's iTunes and selecting it on the left-hand side of iTunes, and on the Summary tab on the right-hand side clicking the Check For Updates button. If it doesn't find any available updates then I assume that it's an older iPod and that it's on its version, so you won't be able to update it to iOS 4.3+ nor to download that app onto it.
If it does find an available update then before you start the update first copy any purchases off the iPod to your computer via File > Transfer Purchases. You may also want to copy photos and any important documents off it as well e.g. via the file sharing section at the bottom of the device's apps tab when connected to iTunes, via wifi, email, dropbox etc - they should be included in the backup, but it's best to have a copy of them outside of the backup just in case. You can then force a backup of the iPod by right-clicking the iPod 'Device' on the left-hand side of iTunes and selecting 'Backup'.
Then start the update.

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