Two major things to do to come out of debt.

1. Stop being afraid of the creditor: Fear has torment,  if the devil see that you are afraid of the creditor, he will do everything to make sure you don't so that the fear will remain leading you to lies and fabrication. I cast out that spirit of fear now in the name of Jesus Christ.

2. Decide never ever to borrow again.  Deuteronomy 12:28,15:6. When God sees this in your heart, He will take you out and ensure you stay out by blessing you and making you a lender.