When you’re in a financial straight, fall on your face or knees (if it’s physically possible) and cry out to God. Of course, you can pray in any position, but my point is show God you’re serious by coming to Him in prayer. At least give a little of what little you have and sow it into the kingdom. Make sure you seek godly counsel from a church leader or Christian counselor, and finally, ask for help. People (including those you owe money too) might surprise you by being more than willing to work with you.