Are you giving your tithes and offerings to the Lord? That would be a good start.
Father, I ask that you give this person wisdom in handling their finances. I pray in the name of Jesus that you help them find freedom from debt. I ask that you would prepare the hearts of those that are owed that they may be willing to make an affordable payment plan with this person and freeze interests owed. I ask Lord that you clearly show this person your plan for finances. In Jesus name.