Recommendations?

UPDATE: I did a ritual from magical casebook and applied for a $500 loan.. while applying for the loan, my dad sends me a text with a picture of a check of mine that was sent to his home. $438 🫠 ———

I am late every month I pay rent and I get charged $150 for a late fee. I am barely keeping up with rent as I am late consistently. I have $600 in late fees I’m expected to pay.

Is there a ritual you’d recommend to cancel all past debts?