that's the rub

That is the biggest problem or difficulty (with the situation being discussed). The phrase was famously used in Shakespeare's Hamlet (as "there's the rub") and is now seen in many different variations, including "here's the rub" and "therein lies the rub." A: "All you need to do to get your car back is pay the fine." B: "And that's the rub: my wallet is in my car."

there's the rub

There is the biggest problem or difficulty (with the situation being discussed). Seen in many different variations, including "here's the rub," "that's the rub," and "therein lies the rub," the phrase was famously used in Shakespeare's Hamlet. A: "All you need to do to get your car back is pay the fine." B: "But there's the rub—my wallet is in my car."