1Paladin1960!, I am praying for you
There are three things a Christian needs to do, in order to be blessed in their finances. The first is tithing. The second is giving offerings. The third is living within a budget. Several Christian pastors have done teachings on this. Look up Robert Morris and Rick Warren.
1Paladin1960!, I pray that you are given the guidance and wisdom to find a way to pay all of your debts and never be in debt again and that your cell phone will miraculously reappear. In the name of the Creator, this is done. Amen.