We understand that you are facing financial difficulties and are burdened by debts, and we want you to know that you are not alone in this struggle. God cares about every aspect of our lives, including our financial needs, and He is able to provide for us in ways that we cannot imagine. Let us look at scripture to start our prayer.
Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus. Philippians 4:6-7 WEB
Let us pray together:
Dear Heavenly Father,
We come before You today, lifting up our brother/sister in need. Lord, You know the burden of debt that they are carrying and the financial struggles they are facing. We ask, in the name of Jesus, that You would provide for their needs and help them to pay off their debts.
Father God, we know that there is no other name by which we can be saved. We know that by believing in Jesus Christ, we can have access to you. We know that by confessing with our mouths that Jesus is Lord and believing in our hearts that you raised him from the dead, we will be saved. Help us all to remember Romans 10:9-13 WEB: because, if you confess with your mouth that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. For with the heart man believes, resulting in righteousness; and with the mouth he confesses, resulting in salvation. For the Scripture says, Whoever believes in him will not be disappointed. For there is no distinction between Jew and Greek; for the same Lord is Lord of all, and is rich to all who call on him. For, Whoever will call on the name of the Lord will be saved.
Lord, we also pray for their peace and joy during this challenging time. Help them to cast their anxieties on You, knowing that You care for them. We pray that they will continue to have the faith and trust in You and that You are able to save them from this financial situation and that You can shape their life again with happiness.
Thank You, Lord, for Your faithfulness and for being their provider. We ask all of this in the mighty name of Jesus Christ. Amen.
As we trust in God, let us also be mindful of our responsibilities to manage our finances wisely.
Here is the counsel of the apostle Paul to the Romans:
Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law. Romans 13:8 WEB
I'm not suggesting that you neglect paying your debts, but rather that you strive to live within your means and trust God for His provision.
As we pray and trust God for His provision, let us also remember the importance of giving to God and others.
Bring the whole tithe into the store-house, that there may be food in my house, and test me now in this," says WEB, "if I will not open you the windows of heaven, and pour you out a blessing, that there will not be room enough for. Malachi 3:10
As we give generously and cheerfully, God promises to bless us abundantly.
In all things, let us keep our eyes fixed on Jesus, the author and perfecter of our faith. Hebrews 12:2 WEB
Prayer Focus: God, Thank You. Thank You for loving me. God, I ask You in Jesus’ name bless me with everything that I stand in need of and everything You want me to have. Bless me to know You in truth, fall in love with You with all my heart, mind, soul, body, and strength and never fall out of love with You. Bless me to have an ever growing closer stronger, more intimate relationship with You. Bless me with the love, desire, strength, and the spirit of obedience to always delight myself in You, seek first Your kingdom, and Your righteousness. Help and strengthen me God to always respect and obey You. Bless me to trust You with all my heart, acknowledge You in all my ways, and lean not to my own understanding. 
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