The paper addresses a critical challenge in software development: the persistent gap between identifying technical debt (TD) and effectively managing it. Despite growing awareness of TD's impact, many organizations struggle to implement systematic approaches for its resolution. We believe this gap stems primarily from communication barriers and misaligned priorities among different roles within development teams. Through observations of over 30 software development teams across multiple organizations and a comprehensive literature review, we identified key organizational and communication barriers preventing effective TD management. Our research introduces a scenario-based development framework that creates a common language around technical debt by defining quantifiable cost-related metrics, including baseline development costs, TD resolution costs, and interest accumulation. These metrics establish a shared context that aligns business priorities with development realities. We validated the framework through a case study in a fintech organization, where partial TD resolution during database integration resulted in a 50% reduction in effort for subsequent integration work. Our approach demonstrates that effective TD management requires technical solutions, organizational alignment, and improved cross-functional communication. This framework helps reconcile diverse team perspectives and enables more informed decision-making around technical debt prioritization and resolution by providing concrete, measurable ways to evaluate TD's impact on specific functionalities.