There are several Banishing Debt spells in the spell section of the website. Pick which ever one feels like "you". Now is a perfect time to perform the spell as we are still in a waning moon, the time when you clear and let go of things that you no longer want. You debts will not disappear, however, you may notice that you find extra money, are offered opportunities to make additional income or that the debtors are willing to negotiate the balance due. Spells work based on your belief that they will work so you need to focus on the feeling of being out of debt. Focus on the feeling of plenty and avoid focusing on what you owe. Think of a positive chant such as "I have financial independence, or I have all the money that I need." Use this whenever thoughts of your debt pop up or while you are paying your bills.
Be blessed with prosperity.
i've done wealth spells in the path to help me increase my savings or pay off a debt, from personal experience they work, but you'll be doing a lot of work depending on the amount of debt and how quickly you wish to pay it off. i say this because within 24 hours of casting one of these spells, i always find myself being called up for extra work by my co-workers who need time off, or my employer who just got a big order and needs an extra pair of hands. [seriously, when i'm working a money spell, any day i have scheduled off will be filled with people going 'neko! can you take my shift since you have the day off?'] so while i do recommend them to get an extra kick i warn you to pace yourself or you will burn out badly.
regarding casting such spell, i usually burn the latest bill [or if it's a bunch of debt, write it all out on a piece of paper] and burn it at the end of the casting, during the casting, i typically visualize the steps to paying back the bill [again, co-workers asking me to take shifts, boss asking me to stay late, tips increase, paying down bills] i also visualize flipping through a calendar, and specify in the chant the time frame i want to pay off this debt [be reasonable, you want to pay back a car loan in a month, wave goodbye to sleep and socializing, and even then i doubt it will be completely paid off depending on the loan] best to calculate out a reasonable payment time before casting the spell. be careful what you wish for.
Well it depends, I've done several spells [most I wrote myself] and they've all worked, but I don't have a specific one, try looking at some on here and personalizing them.
A simple one I do is burn a green candle anointed with a wealth oil and burn cinnamon incense for 3 days. Keep the bill [or list of debt] on the altar, spend time every day visualizing and reflecting on how you wish to meet your goals, then on the end of day three burn the bill. Usually things begin manifesting in the same week. Really though it comes down to the energy and effort you put in.