The Prophet ﷺ used to seek refuge from debt in his prayer. He was asked why so often, and said: 'When a man is in debt, he speaks and lies, and he promises and breaks his promise.'
A man came to 'Ali unable to meet what he owed, and 'Ali said: 'Shall I not teach you words the Messenger of Allah ﷺ taught me? Were you to owe a mountain of debt, Allah would settle it for you.' Then he taught him: 'O Allah, suffice me with what You have made lawful against what You have forbidden, and enrich me by Your bounty so I need none besides You.'
It is the same supplication as the one for provision — which follows: whoever is sufficed by what is lawful and made independent of people has his debt settled.
اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Allahumma ikfini bihalalika 'an haramik, wa aghnini bifadlika 'amman siwak.
O Allah, suffice me with what You have made lawful against what You have forbidden, and enrich me by Your bounty so that I need none besides You.
اللهم اكفني بحلالك عن حرامك، وأغنني بفضلك عمن سواك
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْمَأْثَمِ وَالْمَغْرَمِ
Allahumma inni a'udhu bika minal-ma'thami wal-maghram.
O Allah, I seek refuge in You from sin and from debt.
اللهم إني أعوذ بك من المأثم والمغرم
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'Allahumma ikfini bihalalika 'an haramik, wa aghnini bifadlika 'amman siwak' (at-Tirmidhi).
