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.